The loss of service would depend on how long it takes them to get a new key. If it's as simple as giving a locksmith a vin number and they get the code from Ford or whoever for their automatic cutting machine, and they cut one in ten minutes that's one thing.

On some cars however, If the fob has to be ordered from Germany, takes a week to get here, and requires the car to go to the dealer to have it all programmed, that's gonna be a loss of service charge on top of the key charge.

As they have indicated that a locksmith can produce one from the ID code or whatever on the spot, I would venture there will be no loss of service.