Remember the old saying tha figures don’t lie, but liars can figure?

I’d treat the charger for an electric car as a fixed appliance. In most cases, that means using a 75% multiplier.

The RV circuit is another matter. Do we really know how it will be used? Speaking from a design viewpoint — and NOT a code wonk perspective — in most cases I’d treat it as if it were just another small appliance branch circuit (1500 watt adder). If the RV was actually going to be lived in, I’d treat it like a clothes dryer (5000 watts).
If there’s a sewer connection you can assume it will be lived in
I’d be amazed if either circuit were installed with a permit and inspection. Face it: most of the time you’ll learn of these things only after there are problems. At that point you’re likely to find all manner of issues, all the result of decades of remodels and additions.