I think you may need to do a bit more research Terry, though I am not so hot on all aspects.
I believe my car takes more power than I can generate so "live" charging cannot provide all requirements (from such a small pv array). My car is something over 60 kWh so it'd need a chunky battery array just to charge the car.
Export tariffs can (at the moment) be much higher than your 5p - it has (rarely) been over £1 a unit with Octopus. I know of people with battery banks who charge them at the 5p Go rate and sell it back at more.
I'm not trying to pick holes, just to indicate that it is a very complex set of variables and you cannot be sure that what happens today will continue to happen for the lifetime of your batteries/panels. The tech is getting smarter and smarter all the time.
Having said that, at the moment if you are thinking of changing the car and it fits your requirements I can't see why one wouldn't get an EV.
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