800 a mo isn't that much of premium over what many of us pay for a car payment, fuel, insurance and maintenance.
I may be wrong here as I didn't bother doing the research, being in TX I could not get one of the MINI E's, but doesn't MINI pick up the cost of installing the electrical upgrades, to a point, needed in the house? MINI covers insurance from what I've been able to ascertain and ther is no gas cost, just a modest increase in electric usage. Focusing on the total without taking the steps to get there is where many of us are going wring, IMHO, in looking at this.