If you’ve not owned your own car for more than a couple of years your biggest headache will be insurance and loss/lack of “No Claims Bonus”
Electric Vehicles are insanely expensive to insure because of their capital cost and high depreciation.
Furthermore changes in VED, particularly the “Luxury Tax” is compounding the problem with selling new cars so we might find ourselves in a partial vacuum. Dealers going under and severe lack of trained mechanics. It’s not that modern cars are worse for reliability or faults but the forums all agree that the service provided by the dealers is severely lacking.
With Motability cars you do get better assurances than owning a private car however their rules about handing back have to be taken into account.