Schedule Charging was not designed for Savannah. It was designed for northern, cold climates to have the battery warmed up and take the hit to warm up the battery from AC as opposed to the battery and reduce range.
If you have a time of day rate, then that's what the other setting is designed for. And if you don't have ToD rates, don't use them!
Think about what you are saying. "If this" then I can do this.
I plug in, don't have any setting set (I'm not on a ToD rate) and I have no ifs. The cars are charged ASAP. It doesn't hurt the battery, it doesn't hurt the wiring, it's doing exactly as designed.
If I need to leave early, no problems, fully charged cars sit in the garage.
Reducing the charging rate, WILL slightly increase your cost, because the vehicle has to stay awake longer and the phantom use builds up.