Of course your daily mileage comes into play... but
You don’t have to install a charger, if you can charge your laptop/phone at home you can charge your car at home.
It’s just an extension cord.
Of course this requires you to run the cord outside if you don’t have a garage but it’s not like you have to bury it or anything. Because again it’s just an extension cord.
And even if you want “fast” charging at home you aren’t really “installing” a charger you are just getting a 220v outlet installed in the US. If you have a central A/C unit or electric dryer as an example you already have this installed in your house you are just adding an additional outlet for ease of access.
The “real” fast chargers that are installed for public use are not being installed in your home because those are 480v or even 800v. Which is considered industrial use, as far as I am aware you can’t get that power connection in your garage because the infrastructure isn’t there.