I own my house, but I don't have a garage, and I don't have enough land to construct one. I could potentially hire an electrician to run a new circuit out to the pole where I have a lamp that is next to my driveway, but there's no feasible way for me to get anything other than L1 charging out there safely, which would get me very little range.
However, if you have a townhouse or an apartment, or even if you rent your home, with rare exception of your complex either having chargers or potentially having a deck for you to park in where you might get lucky in negotiating a charger, you're straight out of luck.
I'm casually planning the next car purchase in the next year or so. At this point, unless I expect there's a move in the cards that could put me into a house with a garage where installing an L2 charger is feasible, or the amount of range that I need + accessibility of chargers is so ubiquitous that I will be able to reasonably charge the car when I need range, I'm probably looking at a range-extender style hybrid for the next car.