RDD versus Security Deposits

I have only done a few direct bookings outside of vrbo or airbnb, so haven't paid much attention to security deposits. After reading the help documentation (which is quite well written by the way!) I think I understand it, but would like to be certain.

By the way, I do not handle credit/debit cards in any manner, all of my direct booking is by guests mailing me (or venmo) checks. And I do not use the VRBO api, however I do use the Airbnb API

I *think* that I should change my settings regarding Security Deposits (in property rules) to have "No security holds"
And instead I should be using a Refundable Damage Deposit configured as a surcharge

This all makes sense, just double checking that when using RDD's only I should turn off Security Deposits.

And finally - I want to make sure that doing this is safe for the Airbnb API I'm using. In that API I have "specific amount $100" set.

https://www.ownerreservations.com/forums/requests/refundable-damage-deposit--how-it-is-displayed-in-quotes