For your situation (condo), charging is an issue, no question about it. I have a coworker who has an apartment and a Model Y. They go to the supercharger about once a week. He can also plug into a 110 outlet at work, but that's incredibly slow.
Not all EV's is for everyone, but I do want to point out something: Insurance. To base your estimate on what C&D says is not a good way to evaluate insurance and base yours or anyone's opinion. Car & Driver is a good magazine to read, but I never take anything at face value from them.
The BEST way is to contact some local insurance companies and find out what the costs pertain to you. My insurance went sky high not due to any car, but my 16 year old son. Now that he's 21, it's finally come down. We have 2 cars (21 Tesla Model Y & 2014 Ford F150 4x4 w/full coverage and a 2005 Honda Element with basic coverage) and with State Farm, I'm paying ~$180 per month which equals to roughly $2160/year...a far cry from $4500. But I'm in KY, not CA. And the OP is from Texas, so who knows the rates down there (plus their age, if they have kids, etc).
As for service/support, for your x amount of tesla owners who report bad experience, I can provide 2x the amount of owners who have had good service when needed.
Ever hear of Sandy Munro?
https://leandesign.com/
Watch his videos
https://www.youtube.com/channel/UCj--iMtToRO_cGG_fpmP5XQ
He gives you an honest opinion of Teslas and will tear them down. (he also tore down a Mach E and will do a Ford Lightning and Tesla Model S Plaid soon as he gets them)
At least watch this one:
Yeah. Going to a supercharger regularly to charge the battery probably isn’t the best plan in terms of long term battery health. Until workplaces put in sufficient charging (which there is little incentive to do) it doesn’t make much sense for someone like me to buy an EV. Installing condo charging would be difficult, but the majority of people around me (Boston) rent apartments which would make installing charging even more difficult. There is a lot of rented parking as overnight street parking is not allowed, so that might be a possibility. The nearest Supercharging stations are in downtown Boston, which would be a pain to get to during high traffic periods and are likely quite busy. All non-Tesla chargers I’m aware of are old and offer little power output/slow charging.
What would be interesting, especially for workplaces or high traffic areas-, would be charging stations where you could either reserve times to change and/or charge until full- then have a certain amount of time before you start getting charged for leaving your fully/sufficiently car charged car in charging space. Being able to move your car on a schedule however can be difficult in my line of work (working in a hospital) where you might be tied up with patients when you need to move your car. Many hospitals also have separated employee and patient/visitor parking, as well as onsite and offsite employee parking, making the cost of installing electric charging that much higher and rotating charging spaces that much more inconvenient.
As for Tesla reliability the stats are pretty clear and the issues with part and service availability are pretty well documented. Obviously individual experiences will vary. People’s tolerance for flaws out of the factory on on $50,000-60,000+ cars are going to vary as well. I for example would not be happy buying a car such as yours at the price you presumably paid with swirls in some of the paintwork. That kind of stuff frankly should easily be caught and corrected at the factory.
Insurance seems to vary widely and naturally there are a lot of variables. I know people with clean driving records with quite high prices. There are many articles looking at the average Tesla insurance costs. While Tesla has some of the most comprehensive autonomous safety systems, they are far from the only cars offering some of these technologies and they are not infallible. And when you pair extremely powerful cars with absurd repair costs, low parts availability, limited certified repair shops, etc, the risks and costs of repairs go way up.
Rich Rebuilds who I’m sure you know just did a video on how a simple broken cooling port for the battery, which is vulnerable to foreign debris damage, is a a $16,000 repair from Tesla as they insist on a total battery replacement. A problem that would total out many cars. And that’s the issue you hear about with a lot of Teslas with minor damage- they get totaled out easily due to Tesla’s parts and repair nonsense. But Tesla unfortunately has the incentive to sell as many new cars as possible as there is so much focus out on their sales and stock value.
I’m not sure the point you’re making with Sandy Monroe. His focus seems to be primarily on how to efficiently build cars, not necessarily their individual component reliability. He’s made some of the same comments about paint and body work. And his insight says nothing about parts or service availability.
I can understand people love their Tesla’s despite the quality, reliability, service, etc issues. They certainly have their merits, especially if you want an EV. High owner satisfaction statistically however does not mean all of the other metrics (reliability, serviceability, repair costs, etc are satisfactory). And what a Tesla or EV enthusiast is willing to put up with is very different than someone just looking looking to buy a car is willing to put up with.
My father for example you could say is a Land Rover enthusiast. He’s owned Land Rovers from the late 70’s (well before Land Rovers were officially sold in the US) to present, currently including a 2020 Range Rover HSE TD6, 2012 Range Rover Sport HSE, and 1973 Series III. Land Rovers are notoriously unreliable and carry one of the highest repair costs of any car, I’m sure insurance is astronomical, but he keeps buying them not because they are “good” cars, but because he enjoys them (Besides, his DD is a 2016 Lexus IS350 AWD which is almost absurdly reliable). There are many Land Rover fan out there who buy one after another, but many more who buy them once and despite liking the car itself, but due to the ownership experience run away saying never again.
If you want an EV, Tesla I think makes the most sense from an availability, technology, and charging infrastructure standpoint. That said, I think they still have a lot of issues to iron out like simple quality issues and general customer service related issues before the mainstream public (ie people buying Toyota’s and Honda’s) will happy with their ownership. Tesla certainly has an edge over the competition, but they need to be careful not to take advantage of it as other brands develop their technologies and are able to offer more competitive or perhaps even better products.