If you don't have root on a box, consider it pwn3d with keyloggers listening to every juicy password you type. Take that as your friend's laptop, a library computer or even your parent's Windows XP box...
Trust no one, Mr. Mulder.
/tinfoilhat
Don't underestimate how vulnerable you are when your email gets hacked - virtually every service you use can be accessed by the forgotten password mechanism when your email is breached. I'm pretty lazy and have procrastinated for a long time, but with the recent attacks and realizing what a mess I could face if hacked I finally implemented two factor auth and I have no regrets yet.
To access files in this situation, a better approach would have been to upload the file to a webserver. You can then safely download it from the library computer without anything being compromised.
If it's an edge case, it seems like a trivial one for reducing your security so much. As your documented online data grows, the chance of being hacked only grows. And once you've been hacked, there's really no going back if the attacker decides to do a data-dump and now forever holds your information in perpetuity.
Seriously though, when you have to enter the PIN multiple times a day, it gets annoying.