You might want to check with Kryptonite. Some of the locks on the NY chains could be Bic Pen opened like the U-Locks. They tell you how to get a new one.
Funny thing is here I ride to the city where I prefer riding. People accept bikes a great deal more.
You have yet to say where you live. Where is it? I sure want to make sure I never move there.
One more thing...3 adults...you wouldn't be Mormon by any chance would you?