I cannot agree with this more. It maybe a PITA to have to enter each time but the peace of mind is worth it. Also, if you use a password Manger, which you you should be, do not keep the cars stored in there either.
The quality is pretty good and dl speeds are superb if you get it from spotify. Only need a free account and plenty of good apps to assist in getting playlists, podcasts and full discographies.