1. You can get it programmed at an independent. It's an easy process, the dealer/lock smith just hooks up Techstream and adds the fob as a new key via the computer.
2. Yes, you have to bring your car in for a new key to be added.
3. Yes, if you lose all keys then it's a lot harder to reset the system vs. adding in a new key.
4. Yes, just tell them not to delete the old key fob off your system.