For $5 you will be able to get a little better security with a PayPal SecurID. That’s not a bad idea. I very rarely use PayPal (mainly when some sort of discount/promotion is available), but I’d still get one, just for the added safety.
I wish banks would hurry up and make it standard across the board. A good password is still important, but two-factor authentication like this is a big step in defeating Phishing.