If I hurt my finger and needed to write, I would definitely try holding the pencil between different fingers. It would work if I was determined to make it work.

You asked for advice.
A capo was a good, sensible answer. If you don't want to use a capo, wouldn't it be easier to just SAY that? I personally do not want to use a capo..so I've learned enough chords to be able to play in whatever keys I might need.
I was determined and I make it work.
If a time comes when you're determined to play in different keys, you'll be able to find a way to do it.