> but 20 minutes out of a day isn't congestion

Not quite how it works. Your commute time is irrelevant, if you try to drive down a road that's already at capacity, you are adding to congestion and queues. I will give you props pointing out Uber (aka For-Hire-Vehicles), they have been studied indeed as a major source of congestion because they circle the network looking for fares. Congestion pricing under several proposed scenarios will NOT exempt them, however, which would help address this.