Starting price for EVs is around $50k. Driving one of those seems more ostentatious to me.
Good ebikes (this is a car replacement, after all) are closer to $5k. $8-10k for a high end cargo ebike.
TCO only favors EVs if you drive enough to offset fuel, oil changes, and maintenance. All bets are off if you replace the battery.
You probably won't get something with all the features one would want, but it'll be a safe and reliable ride
You can definitely find a used EV for under 20k.
If TCO matters, buy a cheap used car for ~$5K and nothing can beat the TCO.