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.

Delta is aiming at data centres and supercomputers with a 48V – 12V bi-directional fixed ratio dc-dc converter called U50SU4P162. “We are seeing a significant increase in the requirement for 48V – 12V ...

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 ...