@dnasplatt1  There's a few ifs, ands, and buts about it, but this question can be summarized as:

Do any of your devices have access to your merchant account login or, in any other way, access to customer's sensitive financial information?

If yes, you need to be PCI compliant.

If no, you do not.

That being said, there is a more practical answer. I can't speak to whether QBO does it, but I have seen many merchant service providers slip in a PCI Non-Compliance fee without the business owners realizing it. Seems to average $60 to $70 per month.

If you see that anywhere in your charges, I'd say it'd be easiest to simply become PCI compliant. It's not a particularly difficult thing to do, and it doesn't have to be through QB's SecurityMetrics partner.