Yes, charging overnight works great for you, or for a few, but when everyone does it then there is no longer any "off peak" time for the grid. Transformers and other current carrying equipment never get to cool down, there is less time available for maintenance, etc. If something fails the system will be at higher capacity more of the time, making that failure more of a problem. A system without excess capacity is inherently more vulnerable. We don't have more capacity because just like all of our infrastructure we can't even afford to maintain what our forbears built, let alone improve it.
But not everybody
will be charging at the same time, just as not everybody currently fuels up at the same time. If you have an EV with a 90kwh battery pack that averages a very realistic 3 miles driven per kwh you've got a range of 270 miles. It might be a bit more during warm more moderate months, and most EVs are capable of around 4mi/kwh right now, so using 3mi/kwh seems a bit on the conservative/realistic side. The average American drives around 12k miles per year, which averages out to 33 miles per day. Lets go ahead and double that since we're being extra conservative with our numbers and say that 66 miles are driven every day. With a (relatively poor) efficiency of 3 mi/kwh, our theoretical EV uses 22kwh of electricity each day, or just under 1/4 of it's battery capacity. So our EV driver can plug in every day and refill 1/4 of the battery, or they can plug in every 4 days and fill the whole thing, or anything in between. Just like we currently fuel our vehicles at different times based on situation and need. If the EV is smaller/lighter/more efficient, or the driver has a lighter foot and can achieve better than 3mi/kwh then the charging demands are even lower.
As for higher charge rates, when energy is transferred there are losses, and those go up with higher rates of transfer. You can't get out of these effects, it's not a technology or engineering problem, it's physics and thermodynaics.
Your initial complaint was about time needed to charge, not overall thermodynamic efficiency of the system, so it seems like the goalposts kind of moved here but I'll roll with it. Putting fuel into an ICE is a pretty thermodynamically inefficient process too when you consider all of the pumping/refining/transporting/etc that's required. While addressing your concern about charge time, I simply pointed out that the time required to charge an EV can be less than the time needed to fill the tank in an ICE if a person charges at home, and that charge times are dropping pretty rapidly for any cases where charging at work or home isn't an option. It's not yet the same, but it's getting to less inconvenient all the time for the user. Bonus to the EV owner that charges from home/work is that slower charging is more efficient and better for battery health.
"Renewable Energy" is an oxymoron that confuses people. Energy flows from higher concentration to lower, it flows once and is dissipated as heat at the background temperature of the system (heat death), doing work along the way. It can never be renewed. For the most part fossil fuel and so-called renewable energy are all solar energy - fossil fuels are old solar energy and "renewables" are the real-time flows of solar energy. You can do a lot with the real time flows of energy, it's what mankind had for almost all of our existence. If you want to see what really smart people can do with that, look to history. Our industrial world was built on the stored energy of millions of years ago, and the idea that we can do all the same with the real time solar energy flows is absurd.
Natural gas is a fossil fuel - it puts less nasty toxins in the air than coal, but plenty of CO2 (if you are concerned about that), and is also quite finite in supply.
Renewables aren't just solar. There are places where solar makes sense, and places where it doesn't. Same is true for wind, or hydro or tidal. Lets use the tech that's most appropriate given the location. That's what humans have done for as long as there have been humans. Use the resources around you. They're called "renewables" because the time it takes to renew them is several orders of magnitude shorter than the old way. It's a lot faster and easier to generate electricity with one of those technologies than it is to wait a few hundred thousand years for organic compounds to decompose into the earth in order to be pumped out later. So it's not perfect, but just like natural gas replacing coal, it's an incremental improvement and a pretty decent one in my opinion.
EVs cost a fortune. If I keep some older vehicles running well and avoid buying one I will be well ahead for a very long time, even with expensive fuel. The cost of electricity is dependent on the cost of the fossil fuel it is generated from.
New vehicles are expensive period, regardless of what's powering them. You are correct that keeping an existing vehicle on the road can be the better financial decision. That being said, there are something like 16-17million new passenger vehicles sold each year in the US so people don't seem to mind. The average new vehicle transaction price is in the ballpark of $37-38k these days. You can get a brand new Chevy Bolt for under $20k right now. A Hyundai Ioniq EV or Kona EV is in the mid 20s. These are high quality, new vehicles with warranties and decent EV range for 40% less than an average new vehicle. And they'll have much lower running costs and maintenance costs than an ICE too. So if you're going to buy new, as millions of people do each year, I can certainly make a financial case for an EV over an average new ICE.
The cost of electricity does depend somewhat on the source of generation, but the prices are much more stable than liquid fuels, and often lower if one can charge at home. Most states have regulatory boards that have to approve rate hikes. Nobody is regulating prices on liquid fuels in any way, so we get $0.10/gal swings in a matter of hours because of the weather in a different part of the country, or because some refinery somewhere is down for maintenance, or some oligarchs in other countries decide to play geo-political "chicken" on a global scale. Pricing uncertainty is usually bad for any person or business with a budget.