Guys you are up to Einsteins last Question: "What is an electron?" And to answer that, you'd first need to answer: "What is Charge?" (Not how much is elementary charge q) "What is mass?" and: "What is Spin?"
See we can all agree, that Electrons are metastable particles, which have a minimum of charge, which is called the elementary charge.
Irrespective of any Equations you use, it has proven first by Millikan that there is no charge smaller than q. Since in the Millikan-Experiment, you get discrete lines of charged oil particles of an ensemble of oil particles.
If there were infinitesimal charge amounts, then you would get a continuous spectrum and no discrete one.
Plus if you question the existence of a minimum charge, then you also question the Atom-Theory of Democrit. And it took over 2000 years to prove it. Which was done by Ernest Rutherford and the Experiment is nowadays called RBS. So no your assumption of infinitesimal small charges is pure nonsense. Mathematically feasible, but it has nothing to do with physics and therefore reality.
So in principle, we can also agree, that most mass in Atoms is binding energy of the corresponding particles, except for self energy and the proposed Higgs-Mechanism, do we? When we assume a single electron, without any interaction, it still has to have a spin, which is an intrinsic rotational momentum. This is where I would agree to the original statement of the post. If there was an infinitesimal small amount of charge, it had to be bound in a particle, which one? Because same goes for the spin of electrons. If you reduce the radius to 0 you would get infinitesimal high rotational momentum, which makes no sense. Plus an intrinsic rotational momentum has a direction, which is contradictious to the belief, that electron are spheres. Because spheres are isotropic objects and spin is anisotropic. So, how can an isotropic object have an intrinsic anisotropic property. Makes no sense. The same goes for the assumption that electrons would be point objects. Here the radius is zero, but the object is still undirected and therefore isotropic.
And this was the original mindboggling thought-experiment of Einstein.
And to assume that an Equation predicts reality is mindboggling wrong.
Equations are there to describe observations. And Coulombs law, irrespective of how it's written, is always proportional to the distance of two charged objects. When the distance is zero, the self energy would be infinitesimal high, which contradicts energy conservation.
I hate how physics, which is a greek word and means "condition of reality" is reduced by mathematical formalism into absurdum.
Plus you'd have to check out the annihilation process. When an electron and a positron collide they produce photons. Which makes electrons and positrons metastable. And there is no particle known which has a smaller charge than q. Protons, electrons, positrons and Electons all have the charge of |q|. And you can add charge up, but how to divide a charge carrier into multiple particles? Show me and I believe you.
But wait, that is exactly the annihilation process. So let's reverse the process of annihilation in a thought experiment. "How can two Photons of 0,511 MeV generate two charge carriers?" And when you found out how, then you know, what an electron is, what charge is and what spin is. Seriously.
And all this dispute about mathematical formalism is silly. Definition of science: "Two truthful statements can't contradict each other." And all you do is to rewrite a formula in different ways. And then you ignore the details expressed by each other, and then you state, how is it written in the text book? That is Academia and no Science.
What is this? Why don't you derive the Coulomb Law from scratch and then confirm it with experimental data. This would be the scientific way.