The infrastructure is a dream for sellers of elven safety, risk assesments, approved parts, certificates of conformity etc. Hydrogen is the most leaky substance possible and mixed with air is rocket fuel, so some of this is justified, but its a closed shop and prices reflect this. I've sold valves where the paperwork was 70% of what was charged. The only people you can charge more are the MOD.
The process of using electricity to turn sea water into fuel and then the fuel into motion seems to add a process. Each process has losses so it should be less efficient, but I don't know for sure. If the fuel cells are easier to make, last longer and are easier to recycle it may be better. Fuel cells havd been about since the Apollo space programme, so by now shouldn't be rocket science.
I can see a mix of technology. A truck going across the USA on autopilot can do it in one go on a fuel cell or can refuel in minutes. The delivery van that goes from the DC to your house is stopped more than running so can be on batteries. A haulage company can have a fuel handling facility with trained people, you can just about trust Joe public and van drivers not to test his recharging point with their tongue .
Andy