Unfortunately, very few people (aside from electrical engineers) understand how electricity and power supplies work.
Most power supplies are "constant voltage" supplies. They put out one voltage (in the case of USB, one out of several possible choices, selected by the attached device, supplying 5v if nothing is negotiated) at however much current the device tries to draw.
Good quality supplies include a current limiter, which will monitor the current (amps) drawn and either shut down or lower the voltage if the attached device tries to draw more than the supply is designed to put out. Cheap junk supplies don't have a current limiter - if the device tries to draw more than it is rated for, then it will overheat and fail. Maybe even catch fire if it is especially poor quality.
But in no case will a power supply somehow force more current into a device than the device is trying to draw. That's just not the way electricity works. The only way for a power supply to deliberately up the current is to increase the voltage, which they won't do because the results would simply damage the device it is trying to power.
Even if you could take advantage of a higher wattage charger, it probably wouldn't be good for the battery long term.
On any modern device (especially those with lithium ion batteries), battery charging is strictly controlled by a special circuit. This is either built-in to the battery pack or on the motherboard. It strictly regulates the voltage and current that flows into and out of the battery in order to maximize its life and prevent overheating (which will shorten its life and may cause a fire).
If a higher power charger will charge the battery faster, then the motherboard and battery were designed to work with the higher current. If they're not, then the charging circuitry won't draw the power, regardless of what the charger is capable of supplying.
Same reason I often charge my Nintendo Switch with my 61W brick but it charges at the same speed it always does.
Yep. Again, your device is drawing the current it needs. As long as the charger can supply everything the device is drawing, it works. If the charger is capable of supplying more (at the correct voltage, of course), it has no effect.
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When I needed to buy spare power bricks for my laptops (my old iBook and a few different MagSafe devices), I always bought the biggest one Apple would sell. For some reason, they were all sold for the same price. They wouldn't charge my device any faster, but I always figured that I could migrate it to new computers in the future that might require more power. (And then Apple stopped shipping computers with MagSafe, so it all became moot. 😡 )
I also assumed that a higher capacity power supply would run cooler. That drawing 45W from a 45W charger would make it heat up more than drawing 45W from an 87W charger, because the 87W device has 42W of additional headroom and is designed to dissipate more heat without burning up. I don't know if that assumption is right or wrong, but since an extra large power supply can't hurt and Apple charged the same price, there was no disadvantage to doing so (aside from it being slightly larger and heavier).