I have a smart charger and can measure electricity used. The last charging session provided 22.78 kwhr. The mini App said 23 kwhr. I noticed no excess power use. Make sure you don’t have on “precondition for departure” as that will obviously use extra electricity. The charging from 90-100% should not cost more, it merely can’t charge as fast which is mostly noticed in DC fast chargers. Most paid chargers only charge you for electricity delivered, not time charging. Energy cannot just disappear. If it was only converting 60% to the battery, then the remainder would be dissipated as heat, which does not seem possible (but I am no electrician). Smart level 2 chargers are nice because you can get cheap electricity at night and have the car wait to charge until then.