You literally don't have to pay attention to the FOB things if you don't want to. Just build the damn base, complete the tutorial (if you want to) and proceed to reap the benefits with very, very, very slight chance of someone raiding your online stuff.
I seriously don't understand why someone needs to take the extra steps, such as the ones in the OP, to avoid things that are totally optional and at worst, just benefit you with every step you take (such as being able to build quarters so much faster, if the time is a problem then you might just as well use a trainer and cheat your way out)
People seem to have read the news about the online insurance and such, but have no idea how the game actually works