To me, this seems rather simple. Lease the Rav4 EV today for $0 down, unlimited miles, $500-ish per month and make the commute comfortably and without range anxiety. Charge at both ends. Easy.
Then, sell the gasoline car and put $14,500 in your pocket. Then, when your $2500 check from the state of California shows up for the lease of the Rav4 EV, take all the money and bet on 7.
Guaranteed win.
Also, enjoy the white HOV sticker in the commuter lane.
Only the Rav4 EV has the range and unlimited miles. But, act quick, because they are almost completely sold out. Perhaps, a couple months, and there's no guarantee that the unlimited miles lease will be available after 3 Sept.
Your cost to operate the Rav4 EV for 3 years: $23,800 minus sale of current car and minus $2500 from state.
36 months * $550 = $19,800
140 miles daily * 20 days a month * 36 months 100,000 miles
100,000 miles / 3 miles per kWh = 33,333 kWh
33,333kWh * $0.12 average cost = $4000
Extended warranty must be purchased for at least 125,000 miles at lease.
No maintenance or repair expenses beyond normal car stuff (tires, wipers, etc)
Plus insurance, common to any car.
*****
Cost to operate 100,000 more miles at 25 mpg and $4 gallon gasoline:
(100,000 / 25) * 4 = $16,000
Loss of value of current car with an additional 100,000 miles... $$$$$$
Maintenance with a 200,000 mile car? Priceless