Well, if it's such a big problem you don't have to do it. But people in your situation (the ones who don't really see the point in going the extra mile for security purposes) are usually the ones who aren't great with browser security and then get their accounts stolen at some point.

So, if you want to take that risk because it's too much trouble, that's completely your right! Just don't be upset if your account gets stolen because you had options.