It's more a matter of your most common use. The average person drives around 40 miles a day. For those in that circumstance, who live in a home where they can charge in the garage, they may never touch a DC charger for months at a time.

Interestingly enough, the lack of fast chargers actually minimizes the issue of efficiency loss, rather than exacerbate it. I drove my EV from Texas to California and back in 2022. It wasn't super convenient, but doable, based on the spacing of fast chargers on the freeway. I had to charge each time I came by one, due to the spacing of them (being every 100 miles or so, I may not be able to skip one confidently). In that situation, a 15% loss in efficiency wouldn't make a difference either way.