Yeah, that sounds like their commercial type models. Since ours is installed inside a garage (and we work from home - and someone is always around), someone creeping up and stealing free electrons isn't much of a concern, but I can see plenty of situations where that could be an issue.
We have an option to go with a TOU rate (it requires a 3-6 month pre-order and special equipment install), but we charge plenty during the day, we're not 9-to-5 people 
I kind of just use, come home, charge. If you were charging overnight, and not using much electricity during the day, it's pretty good, it drops the nightly rate to like $0.03/kWh, but increases the daily rate to $0.24. Our fixed rate works out to about $0.11, which is pretty killer, lets the Tesla operate at around $0.03/mile, our Wrangler at ~$0.12 (the latter is used on battery only about 95% of the time).
Our power provider has an EV service option: their equipment, on their schedule (basically the same as the TOU), it's a flat monthly cost (based on average monthly mileage), their gear, it looks pretty good if you're on a more traditional schedule and don't mind someone else having control over your charging equipment (definitely not for us, and with our low mileage, the rate isn't even that cost effective ).
