I figured as much about the insurance totaling a 2-month-old car for a soft-object collision. We have a friend who owned a newly-launched composite supercar ($150K list price…with dealers charging way above that) for a few months, and it ran into a concrete wall. Given the hand-built nature of that car and all of the carbon fiber that was swept off the pavement, he assumed that the insurance would total it. Nope. They paid almost $100K to rebuild it.
Regarding EV range anxiety, how often do you find yourself traveling 100+ miles away from home into the boonies? Most people buy cars for the worst case (road trip for the holidays), when an EV will meet 98% of their daily needs charging at home. I have the Cummins diesel pickup for long road trips, but actually rented a gas car (brand new 2021 Jeep Grand Cherokee Trailhawk with 21 miles on the clock!) for a three-day weekend road trip down to South Carolina from upstate NY when we were property shopping back in the spring. Put over 2,000 miles on that car, and the rental fee was offset by saving on wear and tear on our own vehicles.
Coming from a gas vehicle, you need to stop thinking that an EV is like one. Gas cars are dependent on gasoline stations, and new/potential EV owners are quick to think of where to buy electrons. Treat an EV like a smartphone. Charge it at home, and leave every morning with a full battery. In over two years of ownership of the i3 with only 82 miles total range, I have only charged away from home three times. Once was driving home the day I picked it up, and the other two were day trips to National Drive Electric Week car shows that were just beyond my round-trip range but had free chargers available to top up.
Feel free to check out PlugShare to see the charging station density near you, as you may be surprised:
Regarding the purchase of a L2 charger for home, my OpenEVSE kit cost me about $400 and plugs into a 240V/50A welder outlet that was already in the garage. Many newer homes already have unused 240V/30A electric clothes dryer outlets in their garages, which are useful if you buy a charger that has a programmable 24A rate limiter like the OpenEVSE. Either way, treat the purchase as a lifetime investment for accounting purposes, because it is unlikely that most people would ever go without an EV in their driveway after experiencing one.
On a side note, the last time that I touched a fuel nozzle was filling up my diesel pickup coming home from our SC property closing on July 5th. It actually felt icky to handle the nozzle!!!