I've been doing 120V for just over a year with the Chevrolet portable charging cable. It's mostly been fine, the main issue is that it stops working every so often and has to be unplugged and plugged back in.

My Bolt lets me say that the circuit is dedicated to it at home and pulls 12 amps instead of the 8 amps it would pull anywhere else. It's trying to make sure it doesn't overload the circuit.

We are moving to a newer home and I already have the 240V charger installed there. Looking forward to 25-30 miles of range per hour (running at 32A normally but have a dedicated 60A circuit) instead of the 3 I'm getting now.

At this house, the 200A panel is full so I would have had to add another panel.

Emporia makes a load balancing charger. You hook an anmeter around the mains and it can pull anything less than the max the box can handle.

My 200 service was also "full" but when monitoring the energy, we rarely pull above 40 amps. We'd only hit 200 if the emergency heat was running at max for both HVACs, the oven was on, the water heater was going and the dryer was running. Pretty hard to do by accident, nigh impossible if you think about it

I probably would've stuck with 120V charging if I didn't also want the 240V outlet for machine tools/etc in my garage. And like you, I wouldn't've paid to upgrade the panel if that was necessary. Fortunately there was capacity.