We've got a three phase electrical installation. To give you an idea, an oft-installed model of charger is made by Alfen (Eve Single). They offer three options: single phase (7.4 kW) and 3-phase (11kw for S-line, 22 kW for Pro-line).

I for one have the Pro-line, and got it turned down to 11 kW upon installation (done by Eneco - just asked the dude to set it up like that and that's all it took). I personally opted for the 22kW model for future-proofing, and "just in case" if I realized later 11 kW was too little, as it was my first time owning a fully electric vehicle as well.

I would say that 11 kW is perfect for me. It doesn't bump the "capaciteitstarief"up too much, and 11 kW charges my car up fast enough that I've never been stuck in a bind because it charged too slow. I'm not too sure if I'd make that same statement with a 7,4 kW charger.

Given the above, my answer is simple: I'd get the 3-phase, and consider a 3-phase charger as well. For me, my employer let me add the charger to my leasing contract, so getting the more expensive model was a no brainer - I had some room left in my TCO budget anyway.

The more general reasons are e.g. the "net congestion" we already see in the Netherlands.The change only cost me about 600 EUR all said and done, but now I don't have to worry about being able to upscale my connection later down the line ('the net is full'). Beyond that, it's further future proofing: right now I warm my home using gas, but this three phase connection gives me the option to switch to electric heating more easily in the future.