I, too, can verify what you said. I just bought a used 2013 Versa SV that only had 1 key (with 3-button remote built-in). I went to Pep Boys to see if they could cut a duplicate. They insisted it wouldn't work but I figured it would be good as a spare to open the door in case I locked my key in the car. Pep Boys didn't even think it would open the door (which it almost didn't because it was a pretty poor duplicate), but not only did it open the door, it started the car and let me drive. So it would appear that at least for some late model no-frills vehicles, the "chipped" key is not enforced? Or maybe it is just an urban legend to justify the dealers and locksmiths charging $100-$200 per key? Or maybe I'm just lucky that for my car, the plain key with no electronics works just fine?