Maps SD Caard

Hi all!!! This is my first post here as I'm a new Prius C owner.

I bought a 2015 Prius C "Three" with the premium entune w/ navigation. The SD card is missing, so nav is obviously not functioning.
I went to the Toyota Dealer and asked how much for a replacement SD Card, and they said 169$. However, they said it also requires some sort of programming which would cost me $90 in labor.

I'm just wondering if anyone has, from experience, replaced one of these SD cards before.. and if so, did it require any sort of programming?
The reason I'm asking is, it seems silly to have the SD card slot so easily accessible to consumers, however requires programming by the dealer when doing anything with it.

Thanks much!