I did this same exercise with a co worker recently. She wanted a new car, she was looking at econoboxes and ran into the issues you said above. Most dealerships either has limited or no inventory (still) and they want you to pay over asking.
Ultimately when we did the math, the tesla was just a cheaper purchase.
The Model Y can be delivered this month, no games, no dealer bs. Just need to make sure you can find somebody who can qualify you for the rebates and it works out to be about the same if not cheaper than a ratrolla or a civic.
P.s. Fuck you Honda and your 32k base model Civic.
I still dislike Tesla's immensely but the value proposition is the best in the market right now.