I got my token back when it was first offered for XI players and have never regret the decision. Still using that same token to this day, though I won't lie that I'm counting the days till it stops working. Getting your account hacked is a terrible thing and I've had a friend of mine in XI suffer such a fate. It wasn't fun to watch, I sure as hell wouldn't want to have been in their shoes. The annoyance of constantly reset passwords when traveling is the price of Square doing the work of securing your account for you. Live with it or get some manner of token, choice is yours.