I put in 30A Sterling charger in 2021. Sterling is the British version of the US-sold Promariner Pronautic (mine is a 1230p). When first activated (after "sensing" the batteries) the charger will show what percentage of output, 0-100%, it's putting out. I've never seen mine put out more than about 75%. These smart-chargers have a temperature lead the attaches to a battery in your primary bank to prevent battery overheat during charging. They also have variable speed cooling fans that vary with charger output and temperature. So, yeah, they are pretty smart. They won't let you cook or overcharge your batteries
I have a 2X80Ah + 1x80Ah bank setup. At 75% output, I'm only using 22.5 A max, but the charger usually rapidly drops off from 75% to something much lower. You'd probably only ever see max output for a heavily discharged bank. Then, the 40A charger simply recharges quicker than the 30 or 20A.
One other thing to think about is whether you are running other DC items while recharging. If you keep your fridge on all summer, the charger has to power the fridge while it is also charging the batteries. That might be the only reason I'd go above 30A on a charger with my setup.
ProMariner 1230P:
https://www.promariner.com/en/p/63130/ProNautic-1230P