For some of the cases. You're right that it's "only" , lol btw on that, 20% for some in the first couple of years, but it's far greater years 3 plus and onward for some peeps that I know of. I'm hearing 40 plus percent for some of them at the highest so far. But it also has only been "midway" or close to for some of the "10" year or so "lifetime" of the battery
And they are hella expensive to replace