I did say there is seldom any significant continuous loads in a dwelling.
I don't know a lot about EV's but would think if you had a higher capacity charger, they would charge the vehicles in three hours.
If you had a lower rate charger it may take more then three hours, but at same time that is not as significant of a load demand wise.
Pool pumps, ERV's, boiler or hot water circulators, and such can also be continuous - but typically not too significant demand wise either.
Besides the fact there can be some (usually not too significant) continuous loads, I don't see anywhere in art 220 where it says to apply an additional 25%. If anything there is the possibility of being able to apply demand factors in art 220.
You do need to apply that extra 25% when selecting conductors and often the overcurrent protection for a branch circuit supplying a continuous load.