Good thing I lost my key fob years ago. I actually have to put my key in the key slot and turn it to open my door. I don’t know how I’ve suffered through that everyday but I get by.
I don't worry about that crap. Vehicle and contents are insured. It'd be an inconvenience but, that's it.
This hint may be helpful: If you leave your vehicle parked in the drive, is the garage door opener inside? Vehicle locked? Food for thought. A lot of folks never give that Genie (or whatever) a thought tucked up there on the visor.