Well, in this hurried life, an EV actually saves you time. I mean, since I own an EV I almost never visit the roadside stations anymore. I did one fastcharge in half a year. Can you imagine using your petrol/diesel car and filling up only once a year or something?
People not owning an EV never seem to realize this. The cars are saving you money and time most of the year. Maybe your holiday trip will take one hour longer per travelling day, who cares? Well probably a lot of US people having only 10 days off in a year.
With regular car sizes, you can see that a Model 3 is already close to or equal to driving a petrol car on holiday. 4x4s will get there too, just never 400 miles in 5 minutes.
And sure, not everybody has the space or the money to have two cars. And if you want both of those vehicles to be relatively new, it will be costly.
Lots of people who use RVs/campers, have them stored somewhere, and daily drive a normal car.
You could think of that kind of model too. I don't use my 4x4 all the time. It would completely suck, also because it is an older vehicle.
Running a car here is a lot more expensive than in the US, so driving a 4x4 daily costs lots of money. I can buy a second car and drive that, and all the expenses of having/maintaning the second car next to the 4x4, would still be slightly cheaper than driving the 4x4 daily. And the 4x4 goes into storage, which is much better for the car.
I mean, 4x4 pickup trucks have lots of disadvantages for daily driving. They are less safe (either for the people you crash into, or for yourself because they topple so easily), where does the cargo go in bad weather? (this is a mystery for us Europeans with vans). Fuel efficiency always sucks. Because you are driving some 2 ton vehicle just to get to work. Tires and brakes and everything.
Also, in the US, used electric vehicles are a bit cheaper. You don't have to go and buy a Tesla. A used Chevy Bolt or Nissan Leaf will do fine for the daily stuff for most people.
I just want to point out that you hardly know what you are asking if you want to keep driving a big 4x4 as EV (so Rivian or bigger) and then have it charge in 5 minutes for 400 miles. It is just completely bonkers.
At some point they will be able to make a car that could do that, but you are probably going to require the energy of a small town to do that. I am not saying it will never happen, but certainly not in 5 years, perhaps not even 10 years.
So, if it is unacceptable to you to take (one or) two half an hour stops on an 800 mile driving day (which I find very normal, to be a responsible driver) than yes, EVs will not work for you in next 10 years.
For all other cases, they will work just fine.
And as said before, on a limited budget you can look at plugin hybrids. I think the Mitsubishi Outlander PHEV is a nice compromise. It is not a full on 4x4 at all, but it will do nicely with some light mods, while being reliable and doing the daily commutes on electricity.