I will never understand this American mentality that I must have what everyone else is having.
Anyways, Polestar 2 is a decent option but it is small. I4 waiting time is kinda long and the backseats are really really cramped (seating position is kinda low too). Have you looked at the Korean twins? or Volvo XC40 electric
Maybe they don’t mind between those two models because it’s basically the same vehicle - just in two different form factors? Your experience does not vary by that much if you buy a $50k Tesla or a $150k Tesla — similar build quality, materials & tech.
You will be lucky to be under $1K/month with $0 down on an i4 drive40 and no pass through on fed rebate. May as well just get a M340 at that price and save a few dollars.