I'm not great with quantifying what are largely qualitative factors if I'm honest. Obviously, standing out in the rain would leave you open to catching a cold resulting in downtime, medical costs with, perhaps, some broader macro economic consequences depending on various factors that may hold positions of relevance in such equations. All food for thought.
There is a question in that, however, that I will find an answer to if I remember next time I have cause to use a fast charging station... unless someone else can answer it in the meantime... can you run the heater in the car while it's charging?