Sounds pretty much right. My '97Camry didn't come with remote from the stupid used lot I liberated her from. Went to the dealer and it was way more for the replacement ($200Canadian?) plus an hours charge to program it.
I don't think most private shops would have access to the pograming; at least the shop I like to deal with here cannot.
Can't you just set the alarm by locking the doors before you step out, then disable it when you use the key to unlock the door? That's how mine works right now.
Good luck