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The Leaf battery cells are different than the Volt's, so making assumptions based on the cooling system is not necessarily correct. Slight correction by the way: the Leaf battery is passively cooled.
On the "payback period" -- you are not including regular maintenance, which adds to the costs of driving the Cruze. And gasoline prices are pretty much guarantied to go up in the future, so the costs increase over time, which also shortens the "payback period".
If you install a zero-down PV array, then the cost of driving the Volt goes way down right away, and stays very low over time. And you save on your electric bill as well -- you can still do this if you drive a Cruze, but it won't lower the cost of driving.
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