AAA does not actually do the work, they contract with locksmiths, who come out and open your car. When this happened to me, the locksmith informed me that damage could occur. Luckily, I was OK. I think there is always some risk, that's why they tell you...to keep liability down.
I've had to call AAA twice to unlock my car, which does have power windows. Both times I was in different cities, so different contracted companies came out and neither mentioned to me about any possible damage. And no damage occured.
I am a AAA locksmith in Portland. Even the top guys can have things go wrong once in a while, but a good company like mine will fix any damage in the rare instance it happens. Most cars are very easy to open for locksmiths that do it all day, every day.
If you don't want to keep a spare key in your wallet or hidden on the outside of your car with a magnet then I suggest you see the car dealer and get the key code for the door and write it on paper and keep that in your wallet.When you lock yourself out call a locksmith who can make the key from the code and maybe deliver the key as well.I don't know the locksmith can make the igition key or not.The dealer can but either way the igition key cost big bucks because of the special identifying chip in the key.
AAA contracts out all its work including tows and starting cars.