the authenticator sounds like a pain in the ass. id rather just not be a computer retard as opposed to having to rely on some lame piece of plastic that just makes it harder to log in.
anyways the answer to keyloggers has always been replace passwords with a pin # and put a bunch of numbers on the screen in a random order that you have to click on with your mouse. that way no one is going to steal your shit unless they install fraps on your machine and download and watch 500 gigs of videos every day.