Ouch.. sorry to hear that.

If you look at similar items on that page there is a long list of similar priced breaker boxes.

Just throwing a bit more lead, hopefully some of them can be sourced near you with more reasonable price…

This is one example. I know homeline is annoying but at this price.. I won't complain

https://www.homedepot.com/p/Square-D-Homeline-100-Amp-6-Space-12-Circuit-Indoor-Flush-Mount-Main-Lug-Load-Center-with-Cover-No-Door-HOM612L100FCP-HOM612L100FCP/100149777

I don't know if your local code allows this though.. no idea about Canada's rule

It's true throwing suggestion out is free.. it totally depends on OP's situation and plan.

I am suggesting based on how I would plan it. Disconnect can be handy when you found the plug damage / arcing but breaker did not trip. Think drive out with the cable plugged in.

Or if OP ever decided to use his EV as backup battery for the house, then a shutoff can become something that is more necessary..

The sub panel is also situational.. a small subpanel can be not too pricy - small ones can be have for between $30~50. If there is possibilities of expansion this can totally be a choice

Agree. A lot of high draw circuit can be benefit from having a disconnect near the draw. This is like a perfect place for a disconnect to happen.

Or maybe a small surface mounted sub panel? That would eliminate any concern for downsizing wire gauge, also allows for proper and safe way to add circuits should you need it near that location.