No, that's not how it works.
Norway is a good source of data for your use case. Very cold for much of the year, months of sub zero temperatures, partly in the Arctic Circle. Large country too, plenty of long distance travel to be done.
You would typically be looking at over 90% capacity left at 5 years. It depends on how the manufacturer measures it, e.g. Kia and Hyundai state the usable capacity so often are still at 100% after 5 years because any degradation was within the extra "buffer" they give you and doesn't have any effect on usable range.
Also you will never have to wait an hour to charge. Even a decade back that was unrealistic, but these days it's more like 15-20 minutes maximum and some cars are under 4 minutes now. Older used EVs like those aforementioned Kia and Hyundai ones might be half an hour as they charge more slowly, but also keep in mind this will be after 4-5 hours of driving so you will need that time for a comfort break anyway.