I want to preface by saying I absolutely agree with everything you've said. My personal commute is like ~20 miles round trip, which is more than capable of being covered by a level 1 charger. But I wasn't aware of that 5-20 bit of trivia. I'm going to have to look into that for myself. (Thanks!)
Though, there are two things I'd like to add: Under the normal commute situation, there are scenarios I can think of where a level 2 charger might still be a good investment.
If your battery capacity is good, in practice, you would hardly notice when you have a day or two of heavy driving. Sure it may take an extra day or so to reach full or so, but it won't impact your ability to get things done when things soon revert to normal.
On the other hand, if your battery is something that probably belongs more in a hybrid than it does in an EV, then said car will probably be less forgiving of back-to-back heavy usage. (I was originally looking at a Nisan Leaf since there were good deals for them used, but then I saw that the non-"+" trims had garbage capacity. And then I understood why they were so common as used.)
The other scenario is your power company. They may provide incentives for restricting your charging to certain hours by using an approved Level 2 charger, which when combined with the federal incentive, drastically cuts down the time it takes to break even and then come out ahead.
It’s a major hole with regards to spam, but in a hypothetical whistleblower scenario it makes it hard for a single entity to silence and remove all evidence.
There are simply trade offs, but it doesn’t mean there isn’t room for improvement.