All good points! However one thing EVs have is much cheaper maintenance! Having no oil changes adds up in savings.
Only other items that are ICE specific I can think of off the top of my head is engine air filter and fluid changes for the transmission and transfer case. Most of the other maintenance is the same AFAIK.
Like I said though, the insurance difference for me kills whatever savings there are from lack of oil changes by a wide margin, even before factoring in higher upfront.
You probably don’t need to change your oil as often as you are, if it’s registering as an expense at all.
Check what the manufacturer actually says - for example my manufacturer says don’t bother changing for two years. Lots of Americans driving the exact same cars change their oil every three months for no reason.
For example, here in the UK the average cost of oil and filter change (if you pay someone to do it rather than doing it yourself) is £102 [1]. Done every other year, this amounts to £51 p.a., which is less than a typical tank of fuel [2].
[1] https://www.fixter.co.uk/blog/how-much-is-an-oil-and-filter-...
[2] https://www.rac.co.uk/drive/news/motoring-news/full-tank-of-...
But that was the point - the requirement to change your oil that often is not real, and so it does not add up.
I doubt regenerative braking is any stronger than that.