Circuits are derated at 80% with continuous loads so a 100 amp circuit will supply 80 amps (slightly exceeding the 72 amp onboard charger) while the 80 amp circuit will supply 64 amps (slightly below the 72 amp onboard charger).
64 / 72 = 0.88
0.88 * 45 mph = 39.6 (or ~40 mph)
Just a quick reminder: Circuits are not de-rated. Circuit ratings must be 125% of the offered continuous load. It's an important distinction when derating factors need to be stacked. Just a friendly reminder from your electrical semantic/pedantic guy.
For what it's worth, even Tesla's documentation gets confusing and I have provided feedback to the team on how to make the HPWC manual clearer to installers. I've seen way too many electricians install #4 conductors and an 80A breaker because they read 80A charging and don't have experience with continuous load rules.