Same situation for me--I don't store anything, don't even see the numbers as it is all invoiced and paid directly through QB online. I had a helpful conversation with a representative from SPI (the QB-approved vendor) who explained the requirements and options. For me it was definitely worth the 20-minute conversation and he was very patient with all my questions. As a small business owner, I consistently asked lots of questions before spending money so I don't do so unless it has a real, vetted, and specific purpose. In this case, I opted for the minimum required option (less than $100 annually) as I decided it is a good "peace-of-mind" cost for me and I can add that security logo to my website to extend that assurance to my clients. In fact, the representative walked me through the questionnaire step by step, to explain each "feature" and what it meant and whether it was relevant for my purposes.
