as for 2 step auth...there are authenticator apps that make it a lot less painful.

check this one out: http://www.authy.com

i tend to use an auth app when possible (instead of sms) because its less likely to get compromised as opposed to someone getting the sms code from your notifications or lock screen or something like that. authy also requires another pin (separate from your phone pin) to open up on your phone. so thats at least 2 separate barriers a thief would have to go through to hack one of your accounts.