I calculated how much our savings would be if we buy a PHEV instead of a new ICE (or a very efficient mild hybrid like the civic or a corolla) and we wouldnt get even after 5 years, because buying a PHEV costs that much more.

Of course this is based on our car usage patterns so its really subjective.

I agree with you on the powergrid and charging infrastructure. A counterpoint i rarely see is if everyone would switch to EVs or PHEVs in 5 years, the electrical infra would collapse. And the electricity price world skyrocket and it would not be this cheap as it is now. So we should keep that in mind when we calculate the savings.