You're over-fitting to a specific example in this post. It's not about that; it's about the principle.
If you either determine that you use that car a ton, or you do the math, work out exactly how often you'd need that car, and what the costs are for the nearest viable alternative solution, and the car's TCO is cheaper - great. You did what this post is trying to tell you to do: Stop thinking about an unattainable hypothetical 'I shall be using this at maximum usage all the time', and start thinking about what you actually need, and how often you'd need it.
Aren't both arguments just overfitting then? The article is an overfit of a situation unique to them (great walkability and on-time, frequent public transit is not commonplace) and the OP you're replying to sees a high need of independent travel on their own unique schedule outside of their local public transit time frames and rideshare availabilities.
Perhaps the lesson to learn is simply judge and balance your own unique situation to your needs, and drink a large cup of stfu when it comes to judging others for what their needs are rather than push your own choices/agenda upon others?
At which point in the would be future you could peform the calculation again based on present use cases and weigh whether or not you should buy the car. "Don't throw away that extra axe, you might be a lumberjack one day" isn't great advice.
If you either determine that you use that car a ton, or you do the math, work out exactly how often you'd need that car, and what the costs are for the nearest viable alternative solution, and the car's TCO is cheaper - great. You did what this post is trying to tell you to do: Stop thinking about an unattainable hypothetical 'I shall be using this at maximum usage all the time', and start thinking about what you actually need, and how often you'd need it.