Using one of the third-party vendors which call themselves OTA's works to the extent that the OTA is not as diligent as DL. In other words, the OTA accepts the fraud risk which DL will not (and should not). All of the hassles with OTA's are a heck of a lot worse than the extraordinarily remote chance that OP loses the card. Just take care of it and it won't happen.

If it does, as I said, call DL. There are alternatives. What they might be in LED I have no idea. But, it's not something DL will discuss with you until and unless it occurs.