[Kirby64]

Your recommendation would require updates to the NEC to even be considered.

As it stands today, an EV charger (or an outlet designated for EV charging) is considered to be 'in use' 100% of the time from a loading perspective (i.e., when counting how big of a main breaker you need to handle). Which, honestly, makes sense. You can't predict when other loads are being used reliably, and you can use an EV charger for many hours. For, say, during the middle of the night.. there's a high heating load so that loading will happen simultaneously.

There are more intelligent ways to handle this (and, the products exist today!), however they're quite expensive. Maybe less expensive than a full new overhaul of your house's electrical... but eventually electrical needs to be updated to code.

Also, regarding 100A vs 200A main panels: it heavily depends on the size of the house. I know in my neighborhood, which the oldest house was built in 2008, they only gave 100A panels to houses that were ~1700sqft or smaller. For larger houses, those got 200A panels.

[tharkun__]

It seems that this 100/200A thing might just be very different across even just North America, nevermind Europe. So much so that we can't make a general statement either way.

As in no, it does not heavily depend on size in general in the way you describe. It may do so where you are but that's about it. My house is smaller than 1700sqft, was built quite some years before 2008 and we have a 200A panel and I don't know what I would do with 100A service. It would be impossible actually. But that might be because we use electric baseboard heating and thus lots of heating circuits with quite a bunch of amps in use by that.

[Kirby64]

All houses in this neighborhood use natural gas for heating and stove/oven heating, so they have minimal heating load in the winter in terms of actual electrical consumption, and you get rid of the 50A oven outlet.

In general, electric heat is a bit of a menace in terms of electrical consumption... especially given electric prices lately.

[tharkun__]

Which is exactly my point. For your reality the reasons you gave make sense for why 100A may have been standard even in 2008. It does not generalize well to an entire continent or two though.

I live way too far out to have natural gas service and because I have such a small house it has baseboard heating. Most larger houses here have electric furnaces instead. But having 200A service meant I was easily able to add a mini split heat pump taking care of heating most of the time but we have no space to put a furnace instead. We do have propane to heat when power is out (or just if I want the nicety of a roaring fire heating up the room on -40 evenings). The oven is electric too. I was looking at getting a tankless water heater but would need to upgrade the electric service for that apparently because my 200A are not enough in case "everything else is on at the same time" (I personally wouldn't mind the heaters shutting off for 3 minutes while I take a shower but I guess that's against code).

Also electricity prices do not generalize well. Way too much variance across an entire continent or two. What you say is expensive for you actually isn't that expensive here. Now ask someone in Europe this winter what they think about your electricity prices in comparison.