I have the same 20 mile commute to work, and attempted just the 120V at 12A with the Nissan LEAF. It worked well until one considers Time-of-Use (TOU) electricity rates. Initially I was on a tiered rate schedule. Owning an Electric Vehicle (EV) pushed me into the 4th and 5th tiers so charging an EV was as much equivalent of $2-3 per gallon of gas. I switched to a TOU rate plan specific for EVs, but to maximize savings, was only allowed to charge 8 hours per day, which equates to 32 miles of recharge per day. Over the course of the week, I was forced to visit the Level 3 charge station at the end of week. Wished for a larger battery. With the advent of longer range EVs (e.g. Model 3), I think I would have been okay with L1 with the larger battery as I would have started Monday with a full battery (i.e. 90% SOC) since on the weekends I could charge 20hrs/day at the cheapest electrical rate. (Ref: PG&E EV-A rate schedule). In the end, I did install a L2 charge station.
Also, I happened to have a 5-20 outlet in the garage, but Nissan's mobile connector didn't support 16A of charging. That would have worked perfectly with a 40 mile round trip commutes. Tesla sells a 5-20 adapter.
I did consider a conversion to 6-20, but it is unsafe/scary to assume that that single socket pre-existing outlet was thought to be "dedicated" since it was the only 5-20 in the entire house, it turns out it was connected to other outlets in the finished garage.