It’s hard to give that answer because after a security breach has happened, you know you made the wrong choice. It’s a tradeoff, as you said, for practicality.

Sometimes you gamble and lose. The bank doesn’t care that “well there was a good chance I was going to be fine” when it comes time to pay your mortgage.

“But I’m the only one that knows the floor plan!” doesn’t quite cut it. Exit the premises and get some therapy.