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I use exactly this. But that bit stays on my main keyring, the actual key has a small loop that I attach to that small carabiner so there is as little as possible flapping around on my bike. I actually have quite a few of those on my main key ring and all my keys attach the same way so it's easier to chop and change without ruining a finger nail.
stevo_com
I find this annoying too, but apparently it's the standard in those places where wheel locks are common and the only form of locking device.
I keep my key on a little carabiner keyring so I can put the rest of the keys back in my pocket. Something like this: