I have everything, Just need the correct method.

[Buffalo_Bill]

My main question about the method is, is track 1 really necessary?
In X2 I know I can erase cardholder name and track 1 discretionary data is optional. Will not using track 1 affect how the cashout goes? The reason I'm asking this is because on Brians club dumps with track 1,2 and pin are hella hard to get.
So I was wondering if just track 2 and pin would be enough. Tele is @Stanco21 if anyone would prefer to answer there.