I also just bought a '95 disco, and it didn't come with remotes. It does have the factory alarm which turns itself on automatically when the doors are locked with the key outside the door. As I've found out, the '94-'95 Disco needs the 1 button remote. The two button remotes are for the '96 and newer. The button locks and unlocks, that's it. It doesn't have a panic button feature, though it does activate and deactivate the alarm. Locking and unlocking the doors is what controls the alarm. I bought a used remote off E-bay for about $30.
They can easily be "programmed" yourself. There are instuctions on this website in the tech section on how to do this. You begin with the hood open and someone holding down the hood pin switch. Then you turn the ignition on then off, lock and unlock the doors, release the hood switch, then turn the ignition on and off again, all within 8 seconds. Then the horn honks, then the LED light on the dash turns on and you hold the remote button down to program it. Sounds goofy, but it works. That's all the dealership does.
The trickiest part for me was memorizing the directions because 8 seconds wasn't enough time for me to look at the next step, do it, look at the instructions again for the next step, do it, etc....