Use the damn token its free.... via mobile phone..

Don't surf porn - various browser exploits happen here
Don't download illegal files e.g. software/pirated videos occasionally theirs an embedded virus if your not careful
Use an active virus scan - malwarebytes is a great free spyware scanner as well/ run it on occasion

Again - token token token... its pretty powerful to prevent someone from accessing your account and is only a minor annoyance