Is your daily commute less than 40 miles? Then a level 1 charger could be enough. Especially if you can charge at work. Worried about the occasional longer trip? Look into plug-in hybrids. You can run your daily commute on the electric engine but the ICE engine is there for longer trips.
You likely don't need to upgrade service, for a L2 charger either. I have 100 amp service and my biggest hurdle was making room in my circuit breaker. I just had to combine some circuits. I had a few circuits that were just lights. Every bulb I have is LED, so there was no problem combining them. Then I added a $100 device that monitors my whole house usage and turns off the charger if there's a chance of tripping the main breaker. But that never happens because I have the charger set to 30 amp, which is plenty for me. I'd have to be running the dryer, oven, and charger at the same time for that device to kick in, but I have the car set to charge after 9pm when we never cook or do laundry. I could run it at 50amp with this strategy, but it's way more than I need for my 20 mile commute.
If you're genuinely interested but think you can't because of your home charging options, then check outthis video from Technology Connections. This video about electricians unnecessarily hooking up 50 amp lines for EV chargers might be useful too.