ha, I know, it's a terrible feeling. The good/bad news is that my roommate totally forgot to lock the top lock...so for one that worked to my advantage. Well, I guess it's not the end of the world to call a locksmith, however, it's costly, and you end up feeling like a tool.
I think I will get a little saddlebag and stick an extra pair of keys in there in case I forget to put them around my neck as a I bike...