Hi Emma, no, you’re far from stupid. I live in a flat, do high miles and having no issues with public charging or range anxiety.
I have the Kona (previous was 2series Active Tourer), and between that and the Soul are probably the best EV’s currently on the scheme, all the extras are standard and they do the miles they claim!
Sadly they’re both to small for your needs. I’d personally hang on until the next quarter, I think the ID.4 will plummet in price as the new Ioniq 5 and Kia EV6 come on general public sale (not Motability just yet) there’s also a good chance the Skona Enyaq might be on the scheme soon too.
Motability have some great mid size EV’s the bigger models will come but even outside of the scheme they are scare and really expensive
Previous Motability Cars
2006 - 2009 Skoda Superb VR6 2.0tdi
2009 - 2012 Citroen C5 2.0tdi VTR Nav
2012 - 2015 Nissan Qashqai 1.5dci tekna
2015 - 2018 Ford Kuga 2.0tdi Titanium X
2018 - 2021 BMW 220d X drive 2 Series Active Luxury
2021 - 2023 Hyundai Kona Electric Premium SE
2023 - Hyundai Kona Electric Ultimate