Most full-electric vehicles
Most full-electric vehicles are not charging up to the peak voltage of the pack, you are exactly right on the damage that causes (think about a properly inflated latex balloon vs one that is about to rupture, we've learned how to deal with the limits).
As for the 220VAC receptacle, search for 'Dryer Buddy', these let you share an electric clothes dryer or oven receptacle for significantly less than what you were quoted by an electrician. You would need to park reasonably close to one of these appliances to be feasible solution. There is also an adapter for the main service meter base that enables tying in right after the meter (the power company WILL need to come out to reinstall that meter, that's how they get paid so they're picky about those)