I just bought a used Model Y a couple weeks ago. I’ll go through my experience with your points one by one.

1. Insurance: My insurance actually went down about $15/mo. I suspect because of all the safety and security features

2. Registration is based on vehicle value here. It’s higher, but only because the car is worth more.

3. If you can get a guaranteed 10% interest on a investment, that’s amazing. As someone else mentioned take out a loan for a lower rate and invest the $10K in this amazing guaranteed investment.

4. I haven’t used a supercharger yet. I will most likely do 99% of my charging at home, where the electricity is MUCH cheaper than gas. Not only that, it’s much more convenient.

4a. Another note on charging. Before I bought the MY I actually timed how long it took to fill up at a gas station. Pulling off the interstate and stopping at the nearest station with no waiting in line, then getting back to where I was took 10 minutes. That was the quickest (and least out of the way) way for me to fill up. I was filling up at least once a week, often twice, and often taking longer. The number of hours I save on a regular basis more than offsets the few times I might use a supercharger. Time is money. There’s a time savings to consider also. Of course if you can’t charge at home this becomes a negative for an EV, but for most people it won’t be.

5. Depreciation: As I said, I bought a used Model Y. I looked at lots of dealers. They hold their value pretty well. At least as well as ICE vehicles. I have no way of knowing for sure, but it feels like we are reaching a tipping point. I think in the next 5-10 years the resale of ICE vehicles is going to plummet. Again, just speculation on my part, but I think only highly sought after ICE vehicles will have much value at all in 10 years. I could absolutely be wrong, but predicting the future value of anything is speculation. ICE or EV? There is no crystal ball to tell you either way. There’s currently no good reason to think EVs will not hold their value, but there is at least some reason to speculate that ICE vehicles will be less desirable (i.e. https://www.msn.com/en-us/autos/news/no-more-nj-gas-powered-new-car-sales-by-2035-will-gov-murphys-ban-be-practical/ar-AA1kj0Dn).

As others have said, if you don’t fully understand the implications of opening a port, you shouldn’t open a port. Use something like TailScale or ZeroTier. You’ll still be able to access your services but you don’t need to open any ports.