For the Dutch perspective. Dutch grid operators consider 3X25A the default these days, but many older houses are indeed still only 1 phase (eg 1x35A).

There are mainly 2 categories for stoves, but I don’t think a 2 phase option exists: (source: just bought one)

1. ~7.4kW with a double group (4 pins) connection. That gives you 2x16A, but is still only one phase, just split over 2 fuses.

2. 10kW+ with a 3 phase connection (also 4 pins), in this case it actually is using 3 phases.

Dutch prices are regulated. The annual fee for a 3x25A connection is the same as for 1x40A. The next step at my grid operator (3x35A) is much more expensive.