Not your point, but I'd like to mention it since this is the scenario you brought up - if you live 10 miles or less from your work, unless you've got zero traff

Not your point, but I'd like to mention it since this is the scenario you brought up - if you live 10 miles or less from your work, unless you've got zero traffic and perfect parking on both ends, I'll bet an ebike is faster door to door than a car - and when it's slower it's like 5min slower. But back to the numbers: I just typed in "average miles driven" to get my numbers, but you're right that's not exactly realistic. So taking your numbers, and settings aside other savings that not driving 5200miles/year will get you, two years of gas still doesn't count as "very expensive" imo.