No charger at home IS an issue. Go Civic until you can get a Level 2 charger for your home. If your house has a 240 Volt dryer plug then you’ll be okay with a Tesla. You’ll thank me later for saving you the stress. If you’re in an apartment that doesn’t have any option to charge then don’t get the Tesla.
Model 3 100% you can install a 240 volt dryer plug and charge at a 25 miles per hour rate. Plus once the Tesla Network goes live you can send your car out to give rides which will make you money while you work. Elon Musk estimates the average Tesla owner could earn $25K per year of passive income. Could a Civic do that? Oh and you won't be puffing poisonous gas into the air.