I'm fairly certain that option #3 isn't even a viable option. If you read the fine print while you were paying for the token it said that you can only apply the token to your account once, and once you remove it you cannot a) ever put it back on and b) lose the benefits such as mog sachel
Q If I remove my Square Enix security token, will I still be able to obtain a Mog Satchel?
A Characters from PlayOnline IDs that are linked to a Square Enix account will not be able to acquire a Mog Satchel after the security token has been removed. Existing Mog Satchels will not be affected.
http://www.playonline.com/cis/us/about.html
Incorrect
If you activate the token, get the satchel, then deactivate the token, you still keep the satchel.
more security is never a bad thing. i've never been hacked & i wanna keep it that way.
Two, I don't trust those tokens worth anything. I've cracked the algorithm of security tokens before, it's a lot more simple than it appears and I wouldn't put it past the RMT to do it eventually either.