Dial in one is free if you are broke like myself.
Think of the authenticator folks as just a flu shot. Small little prick/inconvienece that leads to protection from assholes.![]()
Unless they've changed it, having to use one every single time you login becomes a huge pain very quickly.
Actually the dial in one sounds easier to do then the fob, and I would rather have my account be secure so 1000 hours of play time don't go down the drain on some dark day.