Final Fantasy XIV Database - Ffxivpro.com

The token helps with security, but by no means is it a necessity to keep your account secure. Changing and setting your password every month or so helps significantly as does secure web browsing and keeping an up to date anti-virus if you use a PC.

It just almost seems like more trouble than it's worth for what the token provides. Especially for those who share accounts.

But I don't mind, I think it's nifty and I'll use it until I grow tired of it.