SSH login timeouts are not very effective at preventing unauthorized login attempts. Most ssh attacks are scripted attached launched by automatic mechanisms. The scripts most likely will use dictionary based brute force attacks that insert the password very quickly. Setting the login timeout very low will most likely not prevent such scripted attacks, and will only hinder the ability for a legitimate user to login successfully within the allocated amount of time. Set the login timeout to 60 seconds; I have set it to 5 seconds and it only caused problems for actual user logins.