As to replacing it happens do to accidents so they have 3 rd party cost that's why insurance companies probably total vehicles rather than pay the cost of repairs. Especially if 2 to 3 yrs old which sucks if you were thinking of keeping long term insurance is only paying you nada value which isn't going to meet the vehicle's actual value to the owner. But I think packs and charging modules will definitely be a retrofit market that most likely be filled by the current battery manufacturers