All these devices have lithium ion batteries. Lion batteries need smart charge controllers or they will melt or even worse, can explode. So they have a microprocessor, albeit a rather stupid one, that controls the whole process. It regulates the amount of current the unit will draw for it's charge. So, bottom line, yes it is perfectly safe to use, since the charge rate is determined by the unit's charge controller and it will only draw up to it's programmed limit regardless of what is available.
On a personal note, my 3GS will charge about 30% faster with the 10 watt unit. I also can charge my Sony and Sennheuser headsets with it as well as my Garmin 705.