You don't have to have 200A service. 100A can charge a car and it doesn't have to be annoying if you have a smart electrical panel which can prioritize charging

You don't have to have 200A service. 100A can charge a car and it doesn't have to be annoying if you have a smart electrical panel which can prioritize charging with clothes dryer and stove usage. If the car is charging and you decide to dry clothes, it will switch off the car's circuit until the dryer shuts off. If you decide to cook dinner, it will shut off the car or the dryer until you turn the stove off again.