I went for the 100a circuit and recommend you do so too. Between the charger upgrade, the cost of the HPWC, and the difference in electrician quotes from a 14-50 circuit, the incremental cost is about $2500 (yes, electricians in my area are expensive). Why did I do it?
1 - Future-proofing. Whenever I've made a decision to buy the lesser option, regardless of what I'm buying, I inevitably regret it. I expect my move to EV from ICE to be permanent, so that gives me some piece of mind.
2 - Amortized over several years the monthly cost is trivial, and you'll spend nearly that every month at Starbucks or in some other inconsequential way. This is a long-term investment, and I'm not moving from my house.
3 - I would have easily spent that on the European trip to pick up my ICE car alternative, a BMW 6 under BMW's wonderful European Delivery Program (would have been my 5th, and definitely something I'll miss). Viewed that way, it's free.
4 - I won't get the tax credit since I'm in AMT every year, but I can amortize the business percentage of this cost, which is about 65%.
Go for it.