Ah you live where that you get 5.1 cent/KWh at any time of day? Reykjavík on a geothermal plant/volcano? That's certainly not the norm.I have. I have time of day charging and average 5.1 cents/KWh if I only charge between 10PM and 6AM at home (that's like getting gas at ~$0.60/gallon based off my average 3 mi/KWh). Only scheduled maintenance is at 150k and 200k miles for my Mach-E. I am now 100% work from home and that won't change unless I get a different job so I only drive about 5k miles a year now so I won't even make it to 150k miles before I get rid of it. The only thing I will ever have to replace is tires (not even breaks as I almost never touch them due to 1-pedal driving). So after tax, title, license, electrical outlet install and all tax breaks, my Mach-E (4WD Select) will be ~$44k (I got a 0% 36-month loan). Only about $800/year to insure too.
I'm not seeing a comparison to a gas car. If you are only driving 5k/year, you would hardly be paying anything in gas to justify the price increase for an electric car. Since your electrical is less than half the normal rate of the lowest state in the nation, I am going to assume your gas price is as well! So figure a 25 MPG gas car would use $328 / year or $3300 in 10 years. You didn't say when you would get rid of it, but 10 years seems like a reasonable number. Hope you never have to replace the battery! Can you find a gas car with a power to weight ratio of > 0.0605 (266hp @ 4400lbs) for less than $40,700? Easily. That's excluding electricity costs. Even double that and you are still paying more for the EV.
Also, sure - count the $7,500 federal tax credit. It helps your personal situation. However, it's still coming out of everyone's paycheck. EVs even more unaffordable, once you take away the tax theft.