Good post and this gets contentious every time it is brought up but my honest answer is just 'it depends.' I think realistically a 'good' level 2 charger for 2 cars in the garage would mean more wiring, and also I'd insist on additional smoke detectors etc. as well (frankly, I'd insist on a fire suppression system with fire department alerts/escape plan for the family, but that's a rant that is beyond the scope of this thread).
The bottom line is builders don't put stuff in 'at cost' and also have overhead related to liability/warranty costs. My guess is it really is in the neighborhood of $1,200 to $4,500 to do it right. The big guys like
Bank of America are financing them now because…they are 'big ticket' items for the masses (avg Americans).
Add (for others), I have 2 college kids. Would the dream EV plan be for me to have 4 of these plugged in when they are home? We know many friends with 5 or more vehicles in the family, is that…not something that could easily be wired to charge them overnight? I sure think it sounds that way.