I feel you. I drove my old pickup truck to the Domain last year to pick up some Christmas gifts, wearing jeans and a button-down flannel shirt, and I felt completely out of place. So much ostentatious wealth here now.
Have you been downtown of any major american city?
The one person I've met who lived in the Domain was a rich tech guy from another continent who "moved" to Austin but never actually spent much time here. He rented an apartment in the Domain that was mostly vacant because he was always in other countries, acquired a girlfriend in Austin, was rarely here, and eventually stopped coming to Austin altogether. He treated Austin basically the same way I treat a restaurant. He came once, got really excited about his experience, came a few times more and then felt less excited, and then never came back because there was always another city somewhere else that he was a little bit more jazzed about. He was so wealthy that this level of interest in a city involved him renting an apartment for a couple of years and considering purchasing a condo. I wouldn't be surprised if he did purchase a condo, and it's been sitting empty for years because he likes having it and the cost of maintaining it pales next to the effort of finding somebody to manage it as a rental property for him.
That's what the Domain is, a world built for those people.
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 can definitely find a used EV for under 20k.
You probably won't get something with all the features one would want, but it'll be a safe and reliable ride
If TCO matters, buy a cheap used car for ~$5K and nothing can beat the TCO.
Good ebikes (this is a car replacement, after all) are closer to $5k. $8-10k for a high end cargo ebike.
Financially, I would be further ahead if I just spend a little extra on the fuel and invest the amount I would have used to buy a new car.