How often do you take trips that would use more than 80% of the battery?
For me its about once a month or so which means I only have to use ABRP.com about once a month. Planning a trip takes about 4 minutes.
Every other day of the month I just leave the house w/ 70 or 80% battery and return with 30-40 then charge overnight in my garage. So most days I put zero thought into into charging stops. On road trips I’ve never charged more than about 10 minutes because it’s typically more time efficient to take more quick charging stops than fewer longer charging stops due to the charging curve. You’ll get the first 20-30% very quickly in many cars. The other thing you have to remember is you don’t usually charge up all the way like a tank of gas. You only charge enough to get to your next charger or destination, then charge all the way up overnight. If you can’t charge at your destination overnight then you’d want to charge awhile at your last charging stop. Doing this when you eat dinner or something would be ideal Because that last stop may take 30-60 min.
Lots of lessons learned the hard way here. I think you need to keep the car and work on your income. A $500 payment isn’t terrible. As soon as you start a new job you may qualify to refinance if your credit is ok. If not you’ve got a reliable car for a somewhat reasonable payment and you’re too underwater to sell. You may call your creditor and ask if they can defer some payments since you’re between jobs. This happened plenty during covid. I don’t know what they’ll say but I don’t think it can hurt to ask. I think you have more of an income problem than an expense one. You may need to work 2 jobs for a bit to recover. Do you own anything outright you can sell?