Correct..upgrade at Service center is about $2k....when u get car on charging screen bottom right you will see max amps you can set to ..if only goes to 48a than that’s what you have ... newer cars have software upgradeable charger but I believe one you got you need hardware ...typically I have seen smaller batteries have 48a Charger ...if you want faster charging just stop at Santa Ana SC it’s real close to you
... either way you can always future proof install by putting in 100a circuit in breaker panel provided you have space the costs differential in materials is not much. Don’t let electrician upcharge you you can always buy material yourself and just pay labor