Odd, almost everybody who buys a new car over here takes out a loan. I refuse to borrow money to buy a depreciating asset but I've always preferred to buy older cars and fix them up anyway.
5 years seems awfully short, I think pretty much all EVs have an 8 year warranty on the battery. People may just have to change their attitudes some on what is a reasonable amount to spend fixing up an older car. I would be fine with spending $8k on a new battery for a car that is worth $5k because then it has a brand new battery so the main thing that depreciates is now brand new. I've never understood the mentality so many have of not wanting to spend more fixing a car than it's worth because you almost always spend more on a car than it's worth, they depreciate, as soon as you sign the paperwork on a new car it's worth less than you just paid for it, often significantly less. It's worth spending a few thousand repairing a car that isn't worth much if I get a few thousand worth of transportation out of it. I'm paying for transportation, not investing my money.
Most of the wear items in an EV are going to be the same as a conventional car. Brakes, suspension bushings, tie rod ends, ball joints, end links, wheel bearings, wiper blades, gaskets, window regulators, trim bits, HVAC bits, light bulbs, etc so I expect most mechanics will have no problem fixing them. A lot of the maintenance items required by an ICE are simply not there, there's no oil to change, no belts to replace, no oil seals (aside from the gearbox which is much simpler than a conventional transmission) other than battery degradation I'd expect them to be extremely dependable in most cases.