A second option is more slow chargers installed places your car spends a lot of time parked, like offices or transit stations if you park and ride.
A third option is using a fast charger somewhere you go once or twice a week. Like grocery stores, gyms, etc. Costco for example is adding fast chargers to their stores, which should be fast enough for a full charge by the time you actually get in and out of Costco.
Replacing cells in a pack can be difficult. You want all the cells in the pack to have roughly the same capacity and voltage curve, so that you can connect them all together and charge them at the same time.
GM says that their Ultium batteries are segmented into modules, which each module having its own Battery Management System, and that it supports mixing and matching modules of different degradation and even cell chemistry.
But anything that adds complexity to the pack beyond being cells packed in as densely as feasible is going to add costs and reduce maximum energy storage.
I think the long term answer here is that there will eventually be a used and remanufactured battery pack market for popular models, just like you can get a used or remanufactured engine today.