The best price I could find for "H" keys was $104 for four (including shipping):
Toyota Standard Transponder Key : H Chip (Non-Valet) / 89785-0D170 / (non logo) - KeyNET.com
Wow. I see they lowered their price from $26 to $22 now. I only wanted three (for a total of five working keys), but bought the fourth for free shipping and a spare.
I called two locksmiths. One said the keys were hardened, and he would have to change his cutting wheels, and said it would cost $$$. Another said, probably $2 to $4 each to cut them. I went to the second, and paid $8 to cut all four keys.
I bought the OBD-II interface cable and software for $19 here:
http://smile.amazon.com/gp/product/B00F0CXVPY
I spent some time reading up on Techstream software, and spent maybe 10 to 15 minutes actually registering the keys to the RAV4. Note that you have to juggle the keys around and you only have so many seconds to insert, remove, and rotate the keys or you have to start over. It is very easy to drop a key while doing the juggling!