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I install Level2 chargers (and solar) for a living, so I know a thing or two about Level 2 chargers as well as people's sentiments about what they think they need in order to be comfortable owning an EV. Everyone wants bigger amps and faster charging, almost never is it needed for their actual...

"8 hours" is not a measurement of rate of charging. kwh per time unit is a measure of rate of charging. And 80amp charging puts in the kwh/hour so fast as to be "hyperfast" in my book; certainly faster than home charging requires for virtually everyone, though not fast enough for highway rest...

Hyper-fast charging in your garage is overrated. In a "normal" electric car you will charge at about a mile per hour per amp. So 40 amps will charge you 40 miles range in an hour. An electric truck will be less efficient on the road than a Tesla (ie worse miles/kwh) so maybe consider it 4/5...

Yes, 200 amp panel with 200 amp rated busbar and 100 or 125 amp main breaker would meet the 120 rule busbar requirement. BusbarRating * 1.2 - MainBreaker = Max Allowable Backfed Breaker. So, 240 - 125 = 115 > 100. So, 125 amp main breaker would suffice. 150 amp would not.

Just having two 200 amp panels will not meet the current 320 amp requirement. The 320 amp requirement is not about the total amperage of main service capacity, rather sufficient busbar capacity to support the secondary power source via a backfed breaker in order to meet the 120% rule. SO, what...

If, as appears to be the case, the issue is the 120% rule to prevent potential overloading of the busbar from multiple power sources, instead of a 100amp breaker in a 400amp rated busbar why not simply perform a tap with a 100amp fused disconnect acting as OCPD and bypass the busbar entirely...