I'd like to try the yoke for a few blocks and then I'll have an answer for you.
I've never seen a land vehicle that has a yoke, or a plane that doesn't. But aircraft yokes don't rotate more than 45 degrees in each direction, whereas vehicle steering wheels (at least those I've encountered)...
Never driven a yoke vehicle but all the many aircraft I've flown are yoke-controlled. So I won't complain about my Cybertruck's (if I ever get it) yoke until I give it a fair trial.
My main concern about Tesla's displays and especially controls is that they're not intuitive. But using a yoke...
What it costs to repair? As far as I know, insurance is required only for damage your vehicle causes to others. You don't have to insure it for collision damage, fire, theft, whatever.
No, that is not really "what full coverage insurance Is made for." Insurance is made to enrich the insurer.
After paying your claim (less the deductible), they will expect to recoup the payout through cancelling your no-claims discount and/or raising your premium. If that's not likely, they...
If and when the seller's Cybertruck market changes to a buyer's one, there's not much inflation between now and then, and Tesla comes up with a new variant (smaller, more basic), then I'd say the possibility exists.
If a 48v battery will fail like a 12v one (after 4-6 yrs) it will surely be costlier than a 12v. Another downside would be problems with connecting accessories that come only in 12v.
"A man's reach should exceed his grasp
Or what's heaven for?"
If you were Mr. Rivian and you had a zillion orders but only a trickle coming out the door, what would you try?