It’s well worth thinking about how much driving you actually do before you get a home charger fitted. There’s an excellent YouTube channel, Technology Connections, that explains how it’s very easy to do quite a big distance every day just on a normal domestic socket.
Essentially, you can get a weatherproof mains socket fitted outside (as you would to power a lawn mower or pressure washer or whatever) for a small fraction of what a 7kW capable dedicated EV charger would cost.
A standard mains outlet can supply 2.5kW continuously (with a so-called “granny charger”, and an overnight charge of 10 hours can therefore provide 25kWh. A modern EV, particularly a smaller one, can usually manage 4 miles per kWh in an urban environment where you’re doing a lot of regenerative braking, so that’s 100 miles of range every day, even though it might only be half the battery.
So people with a more powerful charger are finding that they can fill to 80% and then drive all week.
As I mentioned above, we can’t charge at home and have used the local lamppost chargers, which go from 3.5kW to 5kW, but that’s easily enough to give us over 100 miles of range in one off peak 7 hour session, so we don’t need to use them very often - our local trips are probably only 4-5 miles / day
Technology Connections worked out that you could manage a daily commute in excess of what you can get overnight from a domestic socket, and gradually run your battery down from 100% to 20% over 5 nights, and then do a longer charge at the weekend to start on Monday with 100% again.
Obviously, if you have a need to do longer journeys quite regularly then a dedicated 7kW charger makes sense, but if your daily trips are 50 miles or less (which is the average for the vast majority of people), then a much cheaper outdoor mains socket may be more than enough, and would save you £100s
On the Tariff thing, I know some people who have an ultra cheap EV tariff, and some that have a standard overnight one like you do, but also several others that just use a normal domestic tariff. On its own that’s still a lot cheaper than petrol or diesel and it can be better overall if you cannot fit all your charging within the cheapest window.