This is a very good point and I apply that to many things beyond just Tesla.Regarding the amps at home, my responses to these two items are "yes" and "no", respectively.
Yes, the efficiency is usually better at pretty decent speeds to cut down on wasted overhead and is just a level where the onboard chargers operate efficiently.
But, I've been around two Tesla forums since about 2013, and I've seen enough threads of failed charging equipment to see that Tesla likes to build for just barely what they rate the equipment for as far as amps. I saw a lot of threads of both wall connectors and mobile charge cables that burned out or melted things after a couple of years when they were always running at their maximum rated amps every single day. So I think just for extending the life of your equipment, it's prudent to run it several amps lower than the maximum rated value to keep it a little cooler in daily use unless you have a day where you need more.
It’s also why I’m not keen about DC charging at 250kw on a hot day. 125kw is just fine by me.