This may work on a desktop and a static IP but that would mean I can't ssh from my laptop when I travel?The SSH key system is arguably more secure than passwords... and if you want to get *really* crazy with security, you can setup a two-factor auth for SSH logins:
http://www.mnxsolutions.com/security/two-factor-ssh-with-google-authenticator.html
Personally I don't use two factor auth... I use SSH keys and only let SSH traffic in on whitelisted IPs (so you would need to be physically in my house more or less).