That's exactly the scenario I was in. Owned a petrol car, and the lease plus fuel on a new EV was less than the fuel alone for the petrol car. No big outlay required.
For second hand: The ODB port on EVs gives you a load of stats (total energy used, total charged split by fast and regular, individual cell health etc) so as long as that information is reliable...!
I don't understand these "it doesn't work for everyone/me, therefore it shouldn't work for anyone" attitudes. We can have multiple solutions, we can solve problems. Some streets near us don't have driveways, so I've advertised my chargepoint and let people use it at cost. Got a few regulars, one who actually has a driveway but has decided it's cheaper to use mine than buy a charger!