I was aware that there's pumps in filling stations currently for hydrogen, but I wasn't aware that they had an intermediate tank that could delay the fueling of the next car. That could be solved, of course, by delivering higher pressure hydrogen more often, by including a bladder that you can fill up to keep the larger tank at pressure - but that would increase maintenance costs as well.
I was NOT figuring on the hydrogen fuel tank having a seriously limited life necessitating regular replacement. Replacing the fuel cell was an issue that I forgot to mention.
While recycling fuel cells to recover the rare earths is possible, unlike a battery you're flowing a lot of material through it - some of the degradation is from the catalysts literally wearing away, not recoverable.
Result is, though, hydrogen is even more expensive and makes even less sense than what I figured, and it was already something of a landslide win for the battery side. Which brings up another point: BEVs get to take advantage of regenerative braking to reduce energy useage. But with a fuel cell vehicle, unless you include a battery anyways, like a hybrid, it's going to have to scrub energy just like an ICE vehicle. That will increase hydrogen useage considerably.
Put in a battery to get regeneration, and you're back to needing to maintain it, deal with its weight, etc... Would also probably allow you to make the fuel cell smaller.
But then you run into - just make the battery bigger, get rid of the fuel cell, and you have a simpler system that can recharge just about anywhere there's electricity, doesn't need all the hydrogen stuff, and actually lasts longer without high-cost replacement of parts.