(The Xcel Energy rates differ by state, my rates are for Minnesota)
When I installed my home charging in 2020 Xcel Energy had limited choices. I'm on the "EV Meter" Xcel Energy plan which is a separate EV charging meter: $0.04/kWh off-peak 21:00-09:00 weekdays, all-day weekends and $0.16/kWh on-peak. I get to use any EVSE I want, which is going to be good when I install the 80 Amp Ford Charge Station Pro for the Intelligent Backup Power. What I like about the Ford F-150 Lightning is it knows about all of the plans so I could select my Xcel Energy's plan and the F-150 Lightning automatically charges correctly when at home. My MINI Cooper SE has to be manually switched by me between off-peak weekdays and charge immediately on weekends or when I'm at a public charger. There have been a couple times when I plugged my SE into a public charger and thought I was charging only to realize it was set for a low-cost window of 9pm-9am!
Part of me wants to say that those rates are pretty attractive, but I assume that's just the cost to generate and not the transmission cost. But the peak rates are pretty eye watering. For us, we have two heat pumps, so it almost becomes a deal-breaker.
For us, we are on a plan with a fixed rate 24x7 that is around 12c/kWh (that includes all fees/taxes). There does exist an EV charging plan, but to get that you have to accept much higher rates on-peak. The solar on the roof takes a big dent out of that, but in the winter, the usage is still pretty significant.
Colorado has such great rebates/credits on EVs probably more than makes up for a slightly higher charging rateI'm all electric with a heat pump, also retired, so sitting around with the lights & TV on all day (not really). I looked at my consumption using data from my iotawatt system & concluded that I'd come out ahead with a time of use plan. This was before I had an EV, probably even more beneficial now. For me, xcel in CO, peak is 3pm - 7pm, mid peak is 1pm-3pm, the rest is off peak. Our rates are roughly 0.08/0.10/0.12 in the winter and 0.08/0.12/0.16 (going by memory). I do have a grid tied solar so much of my solar production is at peak rates. Most of our heating is in the off peak hours too. Most of the peak consumption is cooking. I think that MN rate plan would be even better for me.