I would keep my bank pin at all times on my account. One of my accounts was key logged over the summer. I used recoveries on my account, and got it back a day or two later, but found that all the items I had equipped on my character himself had been dropped, or stolen. Luckily, I got into my bank, and not an item had been touched by the hacker. I like to think my pin was the only thing keeping him(or her) from dropping or taking all of my items. To be honest, if you don't want to spend 5 extra seconds going through something that can save your items, go right ahead. I'll stick with my pins, though.