I agree entirely that anyone calling McKinley cozy is outright wrong! Domestic, yes, but if my reread last year taught me anything, it's that she's extremely alive to the horrors of the home and family even as she's hopeful about the possibility of recovery and familial healing. In a weird way, I think she's often actually more Gothic than cozy? That's the other major genre I can think of which has a profound interest in the domestic, but a twisted domestic.