Depending on where you think you lost it, and whether there is any identifying information with it, you might want to ask the dealer about making sure it could not be used to enter or start your vehicle.
Yes -- you are doomed to dealer. You need 2 working remotes in order to program another on your own. At least that's the way it used to be. I bought one once a few years back -- when they were still keys. It was about $180 total.
Obtain the part number and check on line. Should be some dealers selling less than full retail and see if they will match the price. There is no reason you should have to pay full retail. Good luck.
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