> If you use a car you are paying for those costs

Yes, but I don’t use my car 24/7.

Soon I won’t have to pay for it when I’m not using it.

It won't be much if any difference. Rush hour is when most people are trying to get around. Worse, they are all trying to get to the same place, so if you are thinking two trips downtown - that means there is an unoccupied trip back out to the suburbs every morning (and again in the evening) - perhaps more if we are also parking in the suburbs where parking is cheap (though this is probably offset by the cost of parking downtown)