I use the web wallet and added two factor authentication from google authentication. I don't really like desk top wallets because a good hacker can see it on my desktop. This is just my opinion. To answer your question.....yes you are done as long as the coins are in you rewards or your rewards 2 wallet. If they are in your spending acct, the coins do not qualify for any rewards. If you accidentally put them in your spending wallet it's an easy fix. There is a box inside the wallet that says "is rewards" if you check that box it turns your spending wallet into a rewards wallet as long as you don't move the coins.