The dealer, the lemmings, and the popular "travel chargers" (intended for this here use) tend to mislead novices into believing 50A circuits are the only alternative to level 1 charging. Pardon me if you're miles ahead of all this, but I want you to know that isn't true, and don't waste money on it.
Technology Connections has a first rate "how to charge at home" video that will set you straight if you aren't already.
https://www.youtube.com/watch?v=Iyp_X3mwE1w
There is no chance we are even close to 200A peak in this house ... I did purchase a current clamp so I can verify if this makes sense.
Really? I see a panel with seven 240V loads - 30A, 20A, 50A, 30A, 40A, 50A, and - concerningly - 100 amps! That 100A is a wildcard, and it can't just be ignored.
I know you just want to get this EV station installed as quickly as possible, and very badly want to believe that your project is blessed with great luck. One of the tropes we see a lot is "I can invent this alternative method of doing my Load Calculation which guarantees I get the answer I want!" Well, yeah, of course you can. But that does't mean the inspector or your insurer will accept it.
So no, we need to go one of two ways.
Ignore the Load Calculation and install an EVEMS system.
I've already done a lengthy Q&A on this, so here it is.
Yeah, we get to ignore the Load Calc because the EV charging simply backs off whenever the panel is anywhere near maxed out. If, as you say, the panel is never near max, then EV charge speed will never be affected!
Implementation is pretty simple: what's easier? A hard cat5 cable between main panel and EV station? Or guaranteeing always-up WiFi to the cloud at both panel and EV station?
- If the cable is easier, then it's a Wallbox Pulsar Plus (the 9.6 kW model is $425 at CostCo right now) plus a $300 power monitor, and a cat 5E cable between the two. This is immune to internet nonsense and is guaranteed to work.
- If the WiFi to the cloud is easier, then the Emporia Load management bundle. If contact with the Emporia servers has a problem, it will greatly slow EV charging. Upside: the power meter is actually the Emporia VUE, a full featured home energy monitor comparable to the Sense or Curb.
- Elmac of Canada also has a solution, about which I know little.
- The Myenergi Zappi is a European solution.
- Tesla also has a solution here, but it seems to be only accessible by Tesla installers certified into that program.
In this scenario, I would size the subpanel feeder for the absolute worst case scenario of all your garage loads + 60A for the primary EV charging + 20A for a secondary EV charge station. Aluminum feeder is cheap. Run AWG 1/0 and you're good to 120A (anything larger than that gets really complicated).
60A? Yeah. Hard-wired wall units can actually use a 60A circuit instead of a 50A one. That means they are charging the car at 11.5 kW instead of 7.7 kW from a plug-in travel unit. That's half again the charging speed (because of an asterisk with 50A sockets on travel units).
Now on the Wallbox, the $425 Wallbox currently on sale at CostCo for $425 is the 50A unit which goes 9.6 kW (a hard-wired wall unit is immune to the asterisk). If you want the 60A Wallbox that goes 11.5 kW, you'll need to get it elsewhere, and not a CostCo deal either.
If you really, really want a socket, it's possible to do that with the "dumb load shed" devices mentioned in the Q&A. Market examples are the DCC, SimpleSwitch, BlackBox, PSP SAK-60MS, SWTCH - but these things are rubbish, cost much more than a proper EVEMS above, and require a dedicated circuit straight from main panel to socket.
Do a Load Calculation and size EV charging to what is possible.
The simple fact is you don't need 50 amps; like almost every EVer, you were misinformed by the dealer and the lemmings. The 50A myth came from travel charging; here's proper use of it.
A proper NEC Article 220 Load Calculation needs to be done, and here's an example of a good worksheet.
If the proper NEC 220.82 Load Calculation says you have 60A of headroom, then sure, you sold me. Go for it.
If it has less than 60A headroom but you can live with a lower charge rate (see the Technology Connections video at 32:55), then just do that. Most wall unit charge stations can be set to any amps that work for you.
If you are not satisfied with your panel's limits, then scroll down to the next - oh wait, I put it on top, scroll up for the previous EVEMS solution.
To answer your questions
So first problem is my panel has no empty spaces.
Trivial. I see tandems all over your panel, so clearly your panel is new enough to be post-CTL or is subject to the post-CTL waiver Eaton obtained from UL. So this is a 42/84 space panel and you can tandem to your heart's content.
Next issue, should I just put a 100A sub panel in my garage in case in the future I get another EV? Other than cost, are there any other tradeoffs I should consider?
No, you should get a subpanel with a separate bus rating from its feeder rating (the two are not the same). The bus rating must be >= feeder, and I strongly recommend 200-225A because panels are cheap. The feeder should be, as I suggested before, 1/0 aluminum (120A) since you can double-dip your Load Calculation using EVEMS. I want the feeder to be big enough that it has native ampacity for the max possible EV charge rate, so we don't need a second EVEMS to also protect the subpanel (since that is not technically feasible right now).
On a second EV, if you were able to allocate a fixed ampacity to one EV, you can simply do Power Sharing to dynamically split that capacity for two to six EVs. Power Sharing is much more effective than simply giving each car half. (when only one car is charging, it gets all). Wallbox and the Tesla Wall Connectors support Power Sharing. In Europe, Wallbox can double it up and do Power Sharing while also doing EVEMS. I expect Wallbox will export this to America once enough states adopt the latest NEC, which unambiguously permits it.
I would like to get solar at some point. I think I understand the 20% rule for back feeding solar, so would I just back feed into the main panel or can I backfeed into the new 100A panel?
Now do you see why I want you to have a very high amp subpanel and feeder? :) So you can put it either place. Note that if solar is in the subpanel, the subpanel breaker must be at the bottom of the panel per the 120% rule, meaning that 100A breaker must move.
Either way, you will be throttled to 70 amps of solar breaker, or 54 amps actual (about 13 kW). If you want to exceed that, you'll need to insert a "trailer panel" between your meter and your current main panel, and have that panel be solar-only... that would let you go to 200A.
Also, on the label, I noticed a limitation of a max of 140A per stab. Looking at the panel, isn't position 39 (50A) and 40 (100A) violating that limitation? How is that limitation applied with double breakers?
Absolutely, that is busting stab limits, and stab limits are serious business and should be optimized to minimize. So yes, move breakers so two 15s or 20s are across from the 100.