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.
The insurance issue (moving from a lease car to a private car) is no longer an issue, thankfully. Many insurers (possibly the majority now) will accept a no claims history from Motability if you are going down the private route. Even if they only accept up to 3 years (as some limit it to) this still takes off the vast majority of the premium compared to a quote with no NCD whatsoever.
I agree with your other comments though. If real world ranges of EVs improve substantially by the time we next change we may decide to go down the EV route but, if we do, it would be through Motability. I wouldn’t touch one with a bargepole privately for the reasons that you mention (and several others). Clearly the overwhelming majority of private buyers feel the same, hence why they aren’t touching them and the EV market is being held up by lease customers, mostly due to the lower benefit in kind tax rates. However, when that changes…..