For home use I have a keypad that opens the garage door (assuming no power outage). There's a key hidden in my garage.

For the car, if my keys were locked in the car I'd ask the cops to slim-jim it for me. If my keys were lost, I'd have to get the spare set from home. On longer trips the spare set is with another driver at all times.

Where I live I have to worry about car theft quite a bit, so the tradeoff I've made is that my car is harder to steal but I have to be very careful not to lose my car keys.