Can confirm with Qmerit. Needed a service upgrade (that was not possible due to unrelated factors).
Other options included disconnecting a different circuit, or installing a charger with load sensing. Both would've been about 15 minutes of work, and were an extra $600 on top of the $1000 that GM was paying.
You forgot the furnace and water heater. If those are electric, it can easily max out a 200 amp panel.
Also, the fact that you'll never use the full 50 amps on the range isn't really important. There are calculations on how much you can overbook your panel. Once you hit that limit, electricians and code won't allow it.