Your first two sentences are spot on. No one changed their vote on the FBI thingy IMO. She won the popular vote by 3M votes and won California by 4+M votes, so Trump won the popular vote in the other 49 states by 1M plus votes...She was smug and had no personality. Not relatable to people. But, I think more than anything it was her fainting/medical episode and the FBI thingy shortly before the election that took enough votes away that though she won popular vote she still lost the EC.
BTW I voted for Biden last time around and would have voted for him in '16. All I want is divided government so one party can't take control. Gridlock is my favorite word in politics...