I thought it might be prudent to have a spare key on my key ring - separate from the fob just in case the key gets locked inside the car. One never knows when the vehicle may just lock itself when you have the security system and RKE...
Went to a local locksmith and found that the keys with a "chip" in them (actually an RFID transponder) sell for $75! OK, a bit too rich for me right now. He says he can cut a key to fit the door for $5 but it won't activate the Passlock 3 so can't be used in the ignition. Sounded OK but he can't find a blank.
Shopped around for passlock3 on google and found several articles on how to bypass the passlock. Also found
You then have to teach the car the new key which is detailed in the Saturn Vue Owner's manual. I believe that you put a working key into the ignition and turn it on. Quickly remove the key and put the new one in within 10 seconds and turn to on.
If anybody finds a resource with a better price, please post.