I never set it on my accounts (except my mules occasionally), it's not like I keep anything valuable on them anyway, and I hate having to type them in every time I log in and out.
I only use them on any accounts I have something valuable in, other than that, pretty useless...but i guess that was the point to begin with to protect your valuables
I've had it on my main since like 2004 and i put one on any account that has over 50m wealth. Its not going to completely stop hackers but it gives me peace of mind
Yeah I use it for my untradables and cash stack. It's annoying having to do the pin combination each time I log in but it's defiantly worth having if you have valuable items/cash.