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Would you rather the keys be $5 from Walmart and pair with the car without needing an OEM programmer?

I'd be fine if they offered the same security as house keys.

You can't put your house intonneutral and roll it onto a trailer silently with a set of housekeys.

fair enough, but I'd argue that

p * (cost of theft via roll onto trailer) << $700

p = probability of roll onto trailer theft