How do they account for the cost of having to rent ICE vehicles for road trips that do not suit EVs (some do, and some do not)? Do they factor in the cost of insurance, which some say is much higher for their EVs?

I have owned PHEVs and like them quite a bit, but if I'd bought them new I still wouldn't have reached the payback period. It seems that a PHEV typically costs $12k more than the ICE version, so the payback period is quite long (I think I estimated it to be 50k miles, assuming you charge for free at work, and gas is $5/gallon).

EVs and PHEVs can be great for some people, and some may even save money with them (maintenance is blessedly low). But I find it unlikely that for "most" US drivers, they would save money (and of course they would save on emissions, this is kind of a useless thing to add to the headline).