Honestly, I think cost-saving mode is probably just broken right now. For me, it works fine four days a week. I have off-peak, peak and shoulder during the week, but only shoulder on weekends. Last Friday, the powerwall stayed on standby during the whole peak period. On Saturday it stayed on standby during the off-peak and then started charging during the shoulder period. On Sunday, it started discharging at midnight (off-peak) and discharged until it hit the backup reserve.
It's interesting that you're seeing issues with just the two rates on a given day too. Maybe I'll try setting one of the shoulder hours to peak instead to see if the algorithm behaves more sensibly. That doesn't explain the Friday weirdness, though.