That would be the easy answer....however I think I can deal with occasional days/year stopping on the way back for 5-10 minutes to get me home. I imagine most days will be fine as long as the roads are clear in the winter. I will probably just get the 21s to be safe.I believe this would be a dealbreaker for many (most?). I've got too many other things in life to do beside stop after work just to get home. Day after day after...
If I was in your shoes, the anxiety of cold winter range for work use would have me waiting a few years. For me it'd be like starving college student days all over again; staring at the gas gauge as I drove by yet another station.
But if a L2 charger was at work then all of this is moot.
FWIW, my 2021 M3 AWD LR, with improved heat pack, will go 185 miles in the dead of winter factoring in range loss. I would not buy my Tesla if I had your winter commute. I'd be in a Toyota Rav 4 Hybrid which my nephew is getting better than EPA claim.