But if I only supplied a token. with a value I determined I would not have to worry.
You mean the username and password for the site you've logged on to? ;-)
A temporary card number can be configured with a fixed value you specify; most banks provide the service for free.
You can also buy a Visa or AmEx gift card, and use that.
But if I only supplied a token. with a value I determined I would not have to worry.