I got within an extremely close distance to getting a Model Y this year during the price cuts; I secured the loan and was looking into the insurance costs which is what ultimately killed my decision.

My car is paid off and I only pay for gas (I have the Prius Aqua 2016, ~53mpg, 4.44L/100km)

When I looked into the Y, first of all they don't allow you to get an insurance quote without first putting a down payment. If I had gone through with the purchase, I'd be looking at almost 570$/month on the car loan alone with the trade-in, plus another 140/month (I currently pay 80$/month, roughly) for insurance through my current company (this is only a ballpark figure based on me pulling a VIN number online and feeding it into a quote; that number could possibly be significantly higher). That puts my excess car expenses conservatively at 650$/month just for a new car. The literal only problems I have with my current car is that it can't tow my horse trailer and that it's a "dumb" petrol car with no infotainment and a physical key. I'm probably going to put a 12" iPad in the center console for infotainment and call it a day and keep that around for another 4 years until Apple CarPlay 2 trickles down to affordable EVs.

In summation, I really don't think EVs are worth it unless you absolutely must buy a new car. There are new infotainment options on the horizon like Apple CarPlay 2 and Android Automotive with Android Auto as standard... right now is the literal worst time to buy a car. Not to mention that NACS is going to replace CCS in the USA in the 2026 model cars. Your resale value in the mid 2030s will be absolute dogshit if you don't wait for the NACS port in next year's cars.