PG&E's policy is that when you install or upgrade service, you have to pay for the wire all the way to the first interconnect in the right-of-way. In my case, on my new house construction, I paid for the 400A main panel, the trenching, conduit, and the wire that went from the meter to the top of the pole at the corner of my property. PG&E upgraded the very old looking 25kVA transformer on the neighbor's pole to a 50kVA unit about 2 weeks after my service was turned on. The other two houses that share the transformer are probably 100A and 200A, but I haven't been nosy enough to look.
The PG&E engineer that I talked to in the planning stage gave me different options about how to connect the service with one or multiple meters. Three is a particular kind of junction box that can be installed before the meters if you have more than one, or you can install a panel that has two meter sockets. I specifically chose one meter because I knew I would be getting solar and at that time there was no way to share solar credits from your main meter to an EV meter. However, PG&E has implemented Net Meter Aggregation, so I believe it can be done now. If I had it to do over, I would install a main panel with two meter sockets (200A + 200A) and a sub-panel in the garage just for EV charging.