I would upgrade your main to 200 and then figure out what the realistic max you could bring to your garage is. Thinking about a daily commute is the short view. If you only think about getting to work on Monday then 120v 15a is probably fine. If, however, you think about what kind of vehicles you will buy / lease in the next 10 years, and where your commutes and trips might take you then it might inform a decision like investing a few thousand dollars in updating your house's electrical infrastructure. Whatever upgrades you make are probably going to be there for 10+ years, so your planning should also be along that timeframe. You might have a 30 mile commute in a couple years, and you might not want to / be able to / remember to charge your commuter vehicle every night.
Instead of thinking about driving 5 miles tomorrow, think of the time you have to drive out of your way 20 extra miles each way and you forgot to charge last night, and you are leaving on a trip early in the morning and need a full charge. Yeah, I know, you could go out of your way or make an extra stop at the supercharger, but is that how you want to start your road trip? No, you live in America, and you probably want maximum convenience. My point is, consider the outlier cases and the future variables when making an investment in your home that will be effective for many years.