If you own a house there is no reason not to own EV. It is so much better to plug it in for a night every week or so instead of going to a smelly gas station. Imagine you had to go to a “gas station” for your phone charging.
If you live in a city and do mostly city driving then hybrids are worth it, if you do mostly highway driving then they're a waste of money.
Im a huge fan of EVs, though, and if I owned a car it would be an EV.
Almost nobody has the capital to buy a new car, they are mostly financed.