I have a Ford Fusion Energi plug-in. Force air cooled using the computer's choice of cabin air or outside air (no dedicated AC evaporator). Battery is at 72% capacity (5.5 total kwh of 7.6 when new) after 40k and 3.3 years. Usable capacity is at 65% (~3.7-3.9 kwh down from 5.7-5.9 new). I would
never buy another plug-in or electric vehicle that doesn't have some form of active cooling powered by the air conditioning sytem. Liquid cooling without a chiller powered from the AC system is insufficient. At minimum, chilled air routed from a dedicated evaporator through the battery (older Escape hybrid, Outlander PHEV), and ideally, a liquid system with a heat exchanger to the AC system (Tesla, Volt, Bolt, Pacifica hybrid, maybe others?)
Anyway, with Michigan's $0.15/kwh electricity and a climate that's either way too hot or way too cold, the break-even point for electric vs. gas is about $1.90 a gallon ... so at least for now (with gas below the break-even point), it doesn't hurt so bad that the battery capacity is so low.