Only "about 20% of homes need some kind of electrical upgrade before installing an EV charger." But once "with 100-amp or older 60-amp panels may need an upgrade or workaround solution." If you've added EV charging to a home with a <=100-amp panel, how did you do it? What were the costs & benefits?
Most modern electrical panels can support an EV charger without major upgrades. But about 20% of homes need additional electrical work beyond basic charger installation.
I have a home w/ a 100amp panel. When I was installing an EV charger I thought I'd need to upgrade to 200 amps but it turns out, no, I don't! I installed a whole-house battery instead which reduced my grid usage and split the circuit so the car charges on-grid (60amp) while the house is on-battery.