Gas is $3.29 per gallon here and I drive on average 200 miles per week, costing me $2,281 per year in gas.
On a recent power bill, I was paying 13.35 cents per kWh. If I get the F150 Lightning, let's say it gets 1.8 miles per kWh (about 10% less than the 2 miles per kWh Ford claims it will, but EV's and gas cars never perform like they're "supposed" to). That's $771 per year in costs, saving $1,509. Then get into saving on two oil changes per year (I change mine every 5K miles), which cost $61 last time I did it: now the savings is $1,630 per year.
But then you get into the payments on a new truck versus coughing up $10K cash to buy another used truck. And you get into the fact that I have a solar system on my house producing half of the power I need for my home use -- adding an EV to it would probably result in about 30%-50% of my EV miles being "free" from my solar system. Then there's interest on the car payments on the new EV -- plus higher insurance costs (I now have liability only, but would have to have comprehensive insurance if I make car payments on a new truck), replacing an old used truck for $10K every 7 years or so vs. replacing the EV battery for $10K at 10 years, etc.
All of those together leave me these two options: if I don't get an EV, my solar system will pay for itself on about the 10th year (9 years from now), assuming 3% inflation rate on the energy costs. (Obviously, if the Dims keep jacking up energy costs my system will pay for itself sooner.) If I get an EV the entire project will pay for itself on about the 12th year.
And I will have achieved what I wanted most: a hedge against energy costs going up on all types of energy: electricity, natural gas, and gasoline.
I am still driving a sporty gas guzzler I bought during the the financial crisis. I filled up today at ~$4.20 for premium gas. That is about what I was paying for premium gas back in 2009. According to the BLS inflation calculator, the cost per gallon would be $5.60 in inflation adjusted dollars today.