I didn't read all the previous pages but for me I'm not going to change my FOB use. I have excellent insurance to replace anything stolen. In fact I'm glad I don't use keys anymore.
Back in the 90's, here in Tucson, we were having many auto thefts committed by hoods who had master keys. You see, with all the cars made in Mexico some of the people down there somehow got ahold of the master keys from the factory. They'd then come up to Tucson and look for cars the master key might fit. They trolled the shopping malls and were pretty successful stealing our cars. We had an undercover detail that caught many of the thieves and soon the problem went away.
Actually it's no different with RV's. Myself, my co-workers, and pretty much every RV worker in the country all have access to master keys to pretty much every RV out there. Except Airstream trailers, they do not have master keys. But not to be alarmed, our keys do not work the deadbolts.