You are still missing costs on the outlet scenario:
You mentioned $275 for the cable.
I can't tell if the $45 you mentioned is for the adapter plug from Tesla or for the receptacle itself. You will need about $45 for each of those, so you missed one.
$45 is for the adapter plug from Tesla to use the mobile connector with a 14-50 or 6-50 outlet.
In any case, the "missing costs" depend on what I wrote before: "Of course, it depends on whether your garage already has a suitable 14-50 or 6-50 outlet as to which is more is favored in terms of installation / wiring costs." If you already have a suitable outlet, then using the mobile connector with matching plug costs significantly less. If you need to get stuff wired up, then the hardwired wall connector becomes more price competitive as you say. With the wall connector, you get more features and possibly higher amperage, but also the tradeoffs with being hardwired.
Also, if you just use the mobile connector that comes with the car (leaving it plugged into the garage all the time except for occasional road trips), that is another $275 not spent on the mobile connector solution. For someone who just wants a basic 32A EVSE and will leave it plugged into the garage all the time except for occasional road trips, using the mobile connector that comes with the car is likely the most cost effective solution.
Obviously, for either EVSE solution, if there is no existing wiring from the panel to the garage, there would be expense to add that.