> and often the better option

Even before congestion pricing this was the major factor. It's often quicker, more reliable, more pleasant, and has less variation in delays to ride the train/subway in NYC. Speaking from personal experience I could easily eat the congestion charge to daily commute into Manhattan, and I'd rather still take the train because I can do my mindless scrolling or read a book during that time.

The only time I've found that a car is better is during the weekends with a group larger than about 4 people. The train schedules are terrible, the commute time isn't bad, and the price per ticket (assuming you're coming from the outer suburbs) vs parking and tolls works out to be a wash.