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Pro
Enterprise will probably give the best price of any major car rental company. They have monthly rates. Don’t rent at an airport, there are often fees and taxes that are only charged for airport rentals.
Where are you going to be renting this vehicle? I'm sure some rental companies have global coverage but they probably aren't going to be the cheapest option.
Raleigh north carolina
Most rental companies have monthly plans, and I imagine you could use your EY discount. Renting from a non-airport location is almost always cheaper due to airport fees and taxes.
Most premium credit cards provide rental car insurance, btw
Regular rental websites seems to come out to 4k for 3 months at enterprise. Assuming sapphire reserve or amex platinum will cover the insurance so that's the best price I have found so far.
Pro
That sounds about right. You could try calling and see if they will give you a further discount for a 3 month rental. Call the location you will rent from, not the reservations number.