Yes you've pointed out all the drawbacks for hub motors. Some of the "pro", drive shafts, cv joints, etc are all moving parts that take energy to move and introduce friction and thus lower effeciency. Also with the motors out at the wheels it gives the designers more oportunity to put the people / luggage and other stuff in different places. You are not constrained by having to put the engine in a certain location and then building everything else around it.
But I agree, you have more disadvantages then I can think of advantages.
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