I have a fairly modern house (built 2006) with a robust, upgraded SquareD panel that I spec'd for the build and a mechanical room layout that I designed for ease of upgrades.
Same here in my 1996 home. All built above code (plywood thicknesses, etc) and with a 200A panel in the basement but at the back wall of the garage with still a few slots in it. I ran separate breakers to each of the 4 outlets in the garage along with a 40A for the huge 7.5HP compressor which is in the basement and 50A for the TIG welder.
I can see the 40A breaker and thick wiring in your photos...same as the one going to my stove.
If I needed to do this, I'd have to added all up costs. I'd do my own installation and then have an inspector verify it.
Bottom line still is 1) the cost difference to the EV and 2) the change in life of the battery (capacity) in 10+ years of use.
What nobody has done yet is show the change in capacity per year (under 2 or 3 standard conditions) from new to at least 10 years (I already know how my single-cell litium batteries change over the years in capacity). I still say that EV owners should not own the battery but should be owned by chargings stations. Standard fits of different lengths (different capacities) that slide into the bottom of any vehicle (that takes standardization). A 100% fill-up would take under 5 minutes in a battery-out, battery-in change. Batteries would be charged by the charging station and installed into your EV. But of course, this would never happen.