disconnect

Due to "high usage" Tesla lowered my charge limit from 90% to 80%, so I set it back to 90% and went shopping. When I thought the app showed 90%, I walked back to disconnect; but I misread the 80%. I didn't know because I just unplugged my car upon arrival; when I opened the door, I saw it was...

So I learned today that some places require a disconnect switch for circuits above 60A (please correct if wrong). I searched disconnect switch for 100A circuits and they are expensive. It seems easier to just install a 100A subpanel as a disconnect switch. Does this count as an appropriate...