I'm comparing the total cost of ownership for a Tesla Model 3 versus a Toyota Camry over five years. Insurance for the Tesla runs about 30% higher in my state, and electricity at home costs me $0.14/kWh, which puts charging near $0.045 per mile versus $0.09 for gas. But depreciation is brutal on EVs right now – I've seen 3-year-old models lose 50% of their value, while Camrys hold around 60%. Add in that a new battery pack could cost $12k if I keep it past 8 years, and I'm starting to wonder if the fuel savings actually justify the initial price premium. What's your experience been with long-term EV ownership costs, especially for repairs outside warranty?