The migration from a 48V to a 12V distribution bus eliminates need for isolated DC-DC converters, says HR Modi, while the part and cost reduction of the lower voltage bus outweigh the benefits of the ...

Again, I don't see the point of repeating the last discussion. Did you even read the post I linked? It answers your first point directly. Don't confuse distribution, with operating voltage.

One of the less obvious features of the Tesla Cybertruck is its vehicle voltage architecture. The Cybertruck is the first EV from the automaker to use a 48-Volt (48V) electrical system implementation ...