it's worth it...just a 2 Factor Security which makes hacking much much more difficult. Think of it like this you can have a house with just a door with 1 lock OR have a house with a lock, alarm, Sabertooth tiger watch cat and a 50 cal manned by Cylons and Ninja bodyguards but of course in this case the extra security only cost 6 dollars for the Hard Token RSA and freee as a mobile app. Which is more secure? The only downside is if you need to remove the security because you lost the token or app blowed up you will have to talk to customer support to get it removed WHICH is a pain sometimes but should be rare.