> If you leave the EV charging out of your consumption, does a time of day plan still save you money on the remaining usage? Or does it cost you?

It would cost me more (modestly so, less than 10%) to be on TOD without the EVs. This will vary by customer, of course, and I expect that the power company designs TOD to be a wash for the average customer. They even guarantee it won't be more than 10% more expensive over the first year or they will refund the difference.