The EV pollution component of this is 100% propaganda spread by legacy auto makers and fossil fuel companies and is blatantly false. They are substantially better for the environment and the delta is growing too. Even in an area where energy is generated by fossil fuels, EVs emit significantly less CO2 per mile driven. Like 2-4x depending on a wide range of factors. And most new power generation being built in the US is now renewables and if anything, we lag much of the world. It's over 80%. (Luckily it's easy to tell the near future in this regard because utility info is all public and planned out years in advance due to permitting, purchasing, etc. so there are functionally no currently unplanned power plants being built in 2024 or even until 2027 or 2028 or so.) This is because it's just cheaper now, and the economics of wind/solar get better every year as generation costs fall and fossil fuel prices rise. Technology usually gets cheaper, fossil fuels usually get more expensive, and both of these seem to be true in this case. You are correct about particulates, but it's basically insigificant compared to carbon emissions, and probably even offset by lack of motor oil or various other fluids that spill and need produced and then to be disposed of, time the car has to drive in for service, etc. Any sane person would happily trade a 50-80% reduction in lifecycle CO2 emissions per car for a 25% increase in tire particulate matter in the environment. It's only propaganda that makes people mention this, even if it's true, because it's just a non-factor.
I had half a mind to write a long treatise on why I think we'll only see significant EV adoption if/when cars become driverless, but I'll save it and just go with this. Someone I know was killed last week in a hit and run. She got in a minor car accident, got out to check on it, and a third driver hit her and took off.
When it comes to affordability, economists generally set the economic value of an average American life at ~$10 million, and 40,000 people die from traffic deaths every year. Even if we just look at the numbers, Americans buy about 3 million cars a year. So 40,000 * $10 million divided by 3 million is a savings of over $133k per car, which is far in excess of the average car's lifetime cost. Even a 50% reduction in deaths, which for all I know currently existing driverless cars could achieve, would be the same as making all cars free in terms of average cost.
And even if driverless cars are a total push in every other respect (and I think they'll be much better) 40,000 families a year (and I assume globally, at least 5x that) not losing a wife and mother that way is more than worth whatever we have to do to make it happen.
Stay safe.