Osman

To put a number on my own point since I left it vague: the gap between a flat rate and a cheap overnight window is usually large enough that the charger pays for itself inside two years at ordinary mileage, and the saving continues afterwards. That is the whole financial case and it has nothing to do with charging speed.

The money question has an answer people usually miss: the charger pays back through the tariff, not through the charging.

Electricity is the same price either way. What a proper charger buys you financially is access to arrangements that require one: many time-of-use tariffs with very cheap overnight rates expect a smart charger, and some grants and schemes require an approved installation.

If you can get on a tariff with a cheap overnight window, the saving on charging alone frequently covers the installation within a year or two, and after that it keeps paying. That is where the payback actually is, and it makes the decision straightforward.

The other financial angle: a smart charger can be scheduled reliably. Charging in the cheap window matters only if it actually happens in the window, and doing that from the car's own timer works until an update changes something.

So the order I would go in:

1. Find out what tariffs are available to you and what they require
2. Work out your realistic overnight charging need in kilowatt hours
3. If a cheap-rate tariff is available and needs a charger, install one - the arithmetic usually makes itself
4. If not, and your daily need is small, the lead is a legitimate long-term answer rather than a stopgap