After a recent hike, I found that my chip key somehow got smashed in my pack and fell apart. I could use the key part of the fob to open the driver's door, which is the only one that has a mechanical lock cylinder, but I couldn't reassemble the rest of the pieces properly and it wouldn't start the car. Thankfully, I had another in my EDC purse, which was left in the car for the hike. We bought our car used so didn't get a valet key, but I had a couple made last week, and one now lives on my hiking lanyard for adventure time.
I do worry a little about leaving a fob in car, but it's an older car and doesn't have a fancy alarm or that proximity alert-thingy that new cars do.