There are upfront costs to charging at home, especially depending on your service panel. You gotta have room for a 240v circuit.
Insurance can be more, you gotta check. By the way, solar panels can lower electricity costs, depending... And yeah, CA energy costs are sky high. Making use of that big nuclear reactor up in the sky can make a lotta sense.
How often do you make long trips of say, more than 300 miles from home? Do you have 240v available in your garage?
How often do you go to a gas station?
We are both saying the same thing; use case is important. So is personal choice. We can buy what we want regardless if it makes practical sense or not.