If you as a retailer have your checkout page set up properly, the actual card data never hits your server.
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.
The extra $16k of float that Stripe requires is not worth it for me. This is why we have credit card numbers come to our server.
We're working to speed this up for other countries!
Most of the major sites do store cards information and they go through the annoying PCI DSS compliance to be allowed to do just that.