Secure Flow in Architect

i've a question regarding the Secure Flow in Architect, if have a Collect Input (for Credit Card), and it is not set to Secure, will it still be logged in the log file.?

if I set the Collect Input variable to Secure variable, I will not be able to use the expression to verify the input, e.,g I want to ensure the entered digits is 16 length and first digit of entered credit card number is 4 or 5, otherwise, consider the number is invalid after caller re-enter.

e,g basic check with an Expiry date of the card, to ensure the first first two digits is between (1 and 12) and last two digits is 20to25), if i see the Collect Input variable to Secure, it cannot be checked in Expression.

it seems the only way to validate a 'Secure' input variable is to use Data Action to go to a restful web service, then that may not fit the PCI compliance and with some delay in capture the data.

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