Not sure what you mean by "Comparing to the worst of the worst ICE is a little silly" my vehicle gets 20MPG, I track all my fuel ups, silly or not, it is real.
20 mpg is *sugar* today by any standard. It that class vehicle it doesn’t get much worse.
My 20 year old Jeep Grand got 20 mpg.
You are comparing a terrible ICE to a good (and very expensive and newer) EV as your justification, to save money.
You should be comparing a good ICE (probably a hybrid), probably much cheaper, to the Y. Not some bottom of the barell ICE.
If your goal is to save money, which is what you are rooting.
A Y is not gonna save you money. Well it might if your only option was the bottom of the barrel ICE. Point is, it’s not.