Ok, so you are kinda dumb if you believe only 5% of people can pass through your scrutiny.
I charge at home. I'm fortunate enough to be a homeowner, but not top-5% fortunate. GM paid for my charger install when I bought the car, but if they hadn't it would've been about $1500 for a more complicated installation than average (circuit breaker panel is on the other side of the house). Even if I were stuck on a regular outlet, 10 hours of charging per day would get me about 35 miles nightly, or almost 13,000 miles per year. Which is about average. All that means I don't need to care about local charging, and neither do others in a similar situation to me (which, again, is not 5% of people)
The car itself (Chevy Bolt EUV) was about $35K new with bells and whistles included. That has since gone down significantly, especially on a used car. Charging cost is a laughable concern - when I charge at home, it's like paying $1/gallon for gas so I'm coming out ahead there. Happy to show you the math there. Fast charging on a road trip is a lot more expensive, but I rarely use it. I don't miss the forest for the trees, especially when it brings me roughly to gas prices anyway.
Long distance, I normally stop for food, stretching, gas, and bio breaks. It's not hard to plan so you do all those things while charging. My car can get about 150 miles of range in under an hour, and I can start full and arrive empty (charging overnight). My car is also arguably the second-worst at this, others are far better.
Cold weather is no problem when I charge at home daily. Maybe I need to spend a little more charging on a long trip in winter, but not impossibly so.
If you think 95% of people tow, that's laughable. I do, usually a rented U-Haul around town. I'll admit I have an ICE to complement my EV for long-haul towing and a few other things, but that's not because my other car is electric. It's because it's small. So many families get by just fine on Subarus and Honda Civics, because they have no need to tow or anything like that. An EV would most likely be just fine for them too.