ljwobker
Geek.
I think the larger issue isn't some relatively small fraction of energy lost. Rather, it is the load placed on the wider grid if many cars plug in at 20 kW during peak hours or when there's no surplus renewable power. In this time of declining electricity consumption (thanks to efficiency improvements), EVs are a very good thing for the utilities. But they are going to want to take steps to manage EV demand patterns.
Long term isn't this simply managed with demand-based pricing? Many places already have time-of-use charging for residential power. Most commercial customers pay more for power than residences, and where there's not explicit time of use rates, part of this is an assumption that commercial users draw more power during high demand times of the day.
The utilities and the grid operators like flat usage curves, because most of the generation capacity generates flat supply curves (they call this "base load" generation)... Although as solar and wind grow in supply share this may change -- if these sources become substantial parts of the input, it may change the demand/pricing curve to match.
The utopian setup is that almost everyone (commercial or residential) has a moderate capacity energy storage device, and the utility has the right and ability to push and pull energy out of this distributed storage as needed. But for this to really happen, the cost savings of having all this flexible storage and supply has to be higher than the cost to implement it all.