As others have said, you can "lie" to the WC during commissioning and tell it that it's connected to a smaller breaker, but your savings will most likely be minimal. I'd argue there could be other benefits of running less current through the system (less waste heat, lower peak draw for the house), but again, assuming everything is built to code, these benefits are minimal as well.
If lowering the current still makes sense, I'd recommend that you lower the setting in the car, not the wall connector. That way, you can charge more efficiently when you know you'll be plugged in long enough to get a full charge - even at a 32A draw, which is the most efficient setting your graph shows*, you'll get 200 miles or more on an overnight charge. But if you find the need to charge faster than that at any point, you can always adjust it back up in the car's settings without having to reset your WC.
* Actual amperage drawn is always 80% of breaker rating, so a 40A breaker x .8 = 32A. The actual draw, not the breaker capacity, is what shows up in the car's charging UI.