I believe in having a backup solution to charging.
Second UMC is $300 HPWC is $500.
The wiring cost difference is small unless a long run. I bought a bit more than I needed but at Home Depot the wire to run a 100amp circuit for the HPWC 40ft was about $100, I know a 3 can't use all that but it is future proof, let us call the 14-50 wire half that cost so $50 even though it needs a third large condutor so the price difference is likely less.
Then the 50amp breaker is $30 cheaper than the 100amp.
So far we have $200 more for the HPWC, $50 more in wire, $30 for the breaker, so materials wise if buying a second charging solution $280 difference, but now you need an outlet for the 14-50, the $8 will wear out quickly if you plug and unplug, outdoor rated ones are $30+ and the nice Hubbell one that will handle frequent plugging and unplugging is $70, and now you need a hanger of some sort for $10-30. If you go with the Hubbell outlet and the Tesla cable hanger that is another $100 bringing the price difference to just $180 but the HPWC charges the car at least twice as fast, and the curcuit can handle a second car later.
People fixate on the wire cost, 3gauge THHN copper is $1.02/ft. at my local Home Depot 2 needed. I think the 8gauge ground was $.56/ft and you would need 3 plus a smaller ground I didn't price but suffice to say in the end the actual wire cost is more than half the cost of max capacity conductors for the HPWC.
I don't see why the NEMA 14-50 is the standard, even on the same circuit it can give you 40amps instead of 32 and in that case you run one fewer wire and save the outlet cost and hanger,bringing the price difference down even more.