Residential transformer sizing hasn’t accounted for an added electrical vehicle load during a peak draw season. See ANSI standards based tables:
https://www.electricities.com/Libraries/Training/Transformer_Sizing_Handout.sflb.ashx
“Residential transformer sizing hasn’t accounted for an added electrical vehicle load during a peak draw season. “
Peak load is early evening. Turn off the lights, stove, tv and go to bed and your AC load is also reduced.
This total load drop will be more than the EV charging rate which can be programmed to occur while you are sleeping!