> Just the cost to get my garage outfitted with a charging port is about to be in the thousands because it requires me to replace the entire breaker panel. Now this is a me problem because that panel is ancient but it does add to the total cost of "doing this" and going EV.

You likely don't need to replace the panel, as load management options exist. Wallbox, in particular, has an option where you can add a modbus doo-dad (carlo gavazzi energy management module) to your panel and it will monitor the overall usage and drop the EVSE current to keep it at a safe level.

It's more expensive than if you had a modern panel, but less expensive than replacing the panel itself.