Hardly 99%. With a 260 mile-range car I only need to plug in about once a week. People who drive more obviously need to plug in more often, but it's a pretty rare person who would absolutely need to charge every single day. EVs are not for every single use case yet (like long distance towing) and that's okay. They will handle more use cases with each passing year. We certainly don't have nearly enough slow charging points yet, but it doesn't need to be anywhere near 100% coverage before many people who don't have dedicated parking can use an EV with minimal to no disruption.
Battery swapping isn't more efficient or cheaper. You still have to build out massive charging infrastructure all over the place to charge all the swapped batteries, plus you need staff, locations, and equipment to do the swapping, and storage space for the batteries while they wait to be placed back in a car. Plus every manufacturer has to use the exact same battery physical and electrical specs, eliminating all possible innovation in packaging. No one is saying it isn't possible, it just doesn't actually make sense at scale.
I recognize having a private driveway and garage is a luxury, which is why I'm highly supportive of laws requiring multi-unit dwellings to add charging and offering tax breaks for both landlords and tenants to get them installed. Also highly in favour of tax breaks for employers to offer charging in their lots. I also think municipalities should be upgrading the existing streetlight wiring to offer charging alongside street parking.