Because to purely swap for an EV I have to take my well specced current car, sell it, and buy a lesser specced EV (unless I bring additional cash to the table).

Because to purely swap for an EV I have to take my well specced current car, sell it, and buy a lesser specced EV (unless I bring additional cash to the table). And only then might I break even after years of lower maintenance / refueling costs.