Quite right. Madagascar banks don't raise charges for owners of overseas cards using their ATMs. Chase charges 3 dollars per transaction outside the US, so go to BNI machines if you can - they give you the most money per single transaction: 385 000 ariary in September this year. Most other banks limit you to 200 000 or 250 000.
The visa officials at Tana airport are efficient and relatively fast in handling each individual, but if you come in on a full wide-bodied jet and you're among the last off the plane, you're going to be waiting a good long time, as #1 said.
So either you get your visa at the embassy before leaving or when you check in you get seats as close as possible to the front on the left hand side and get out into the aisle the minute the aircraft stops...