First, the Prologue lease terms are indeed pretty badass; my sister-in-law just leased one for (what I presume is) the exact same reason. It was like 10k miles per year, three years, for maybe $249 or $299 a month or some such? It was nuts how good the rate was. Second, even outside of California, L3 charging costs really do screw up a lot of potential "savings" of an EV. You still get to avoid oil changes (both engine and transmission) as well as brake pad swaps, for whatever those are worth. Still, charging at home isn't just about being cheaper, it's also about the convenience of not having to sit somewhere for 40 minutes waiting to charge.
Here in the suburbs of Memphis TN, we pay around $0.14/kWhr which means our Tesla Model Y performance will run us about $4 every time we "fill" it from ~40% to 75%, which is probably about once a week give or take. Alternatively, the local L3 Tesla 150KW chargers run about $0.39/kWhr which obviously hikes the price quite a bit. We also like to take ours on the quarterly road trip from Memphis to Louisville; we stop once in Nashville to charge and pee and find munchies... We used to stop at the Target at the west edge of the city on I40 where there's like 20 charging stalls, however they charge you by the minute rather than for the power directly. Instead, we now exit towards the north end of town off I65 where there's a Hilton hotel with maybe a dozen chargers in the back, and they charge for power rather than time. It's A: cheaper and B: honestly a bit nicer ameneties.
Also, I know PG&E offers (or used to offer) different rate plans for EV charging at night. DId they kill that off? I know some plans could get like REALLY cheap between maybe midnight and 4AM or some such.