That is true, but that one secret is still at risk, and maybe that secret means the world to you. You don't know when the info will be discovered or change hand

That is true, but that one secret is still at risk, and maybe that secret means the world to you. You don't know when the info will be discovered or change hands. "No need to change" could maybe be nitpicked even though I agree with it in general - changing seems to provide some marginal probabilistic benefit if done properly, and the cost/benefit probably depends on what you are protecting.