Given your criteria, a late BMW i3 will be in the £15-20K range. Don’t bother with the REX, a full BEV is fine. DC fast charge @50KW is fast enough when required. I charge once a week or thereabouts at home. Solar and batteries going in next week, so will leverage that for charging at home. Worst case, £3.15 per charge overnight via Octopus.
I3S suspension is v firm, so maybe a regular non S would suit? My logic is, well proven tech, all the kinks sorted out by the early adopters.
Honestly, the anti EV fretting people do is getting dull. Buy the right car for your driving needs and it will be fine.
Need more space, used Polestar is maybe worth considering. Great used deals on most EVs due to the press creating EV fear.
I’ve not experienced EV insurance being as high as suggested. I3S was £250 fully comp in year one, then put on 2 car policy in November where cost for both are ~£600. Tesla seem to have had a parts / authorised dealer repair issue, but AFAIK it’s Tesla only