For instance, I want a 220 outlet in my garage so I can have a proper welder out there. I don't have an electric car (and even if someday I do own one, it won't fit in my current garage, due to various reasons - chief one being it's a conversion from a carport).

That all said - I am not sure I can get such an outlet. Money isn't the issue - but it could become the issue.

Because I would need an additional 220 circuit added to my existing circuits in my breaker box. But the panel is full. So I would probably need to either get a larger panel, or add on an auxiliary panel (likely the latter). But that also depends on my service from the main transformer.

I might not be able to get an extra circuit if my service isn't large enough to support such an extra circuit. The only way to change that would be to have a larger capacity transformer installed. That transformer is shared between my house and the neighbor's house. I don't even want to contemplate what it would cost to change that out (thinking somewhere in the 5 figure range - but where?).

So money isn't an issue - until you have an electrician come out and tell you that to run an additional line is going to require major changes to your current electrical service.

If the supply from the transformer isn't enough, then I don't see a regulation requiring a 220v in your garage affecting that. Whether it's new or an an upgrade later, you are going to have the same problem.

I have that problem. It will probably cost me $3000-$4000 to install the wall charger and then in 10 years they will probably rip it out and replace it with a whole set of wall chargers with central load balancing for a much lower cost because the cost of running a wire doesn't increase with the number of chargers. (Underground garage of an apartment complex if it wasn't obvious)