Well, it seems that you are at least a little bit concerned with security, otherwise you would not be cooking up a password scheme in the first place. You may as well do it right, if for no other reason than to get in the habit when a situation does call for higher security. Also, who is to say that this application will not require higher security in the future? If you implement a bad scheme now, you forget about it until someone hacks it. Bad mojo.

thor