The timing was particularly bad, because I was on the way to pick up my sweetie at the airport, and was early enough that I figured I'd pick up lunch on the way.
So, this evening, I feel I need to breathe a huge sigh of thanks that the first time I've ever done this, I did it with the window cracked open, so that I only inconvenienced myself for half an hour, instead of inconveniencing both of us for half a day while some tow-truck driver did their magick.
The learning experience this time seems to be: have backups. Preferably, a box with a good magnet stuck to the bottom of the car. And, of course, always check for keys before leaving the car.