It’s nowhere near as bad as you think. A level 2 charger is essentially an electric stove circuit, and the chargers are only a few hundred dollars. I had to do both this year and there really wasn’t a significant cost difference. I charge once or twice a week for a couple hours. It’s quite reasonable to install a level 2 charger if you have a single family house with off street parking
Or for like $150, I got a full set of adapters to charge pretty much everywhere. In addition to a regular outlet, I can plug into a 240v dryer/powertool/heater/ac outlet, or an RV outlet for a faster charge.
While I do have many charging stations nearby (and I’ll bet that’s far more common in the population than people who don’t), with a home charger, I’ve never had the need to use a public charger less than 100 miles from here