Charging through USB port versus Wall Plug

I'm using am iPad charger and it appears that #3 is in operation.

Yeah, that's the correct scenario.

A device isn't going to draw more current than it's designed for at a given voltage. A situation that is analogous is the average home outlet can provide 120V at 15A. However, short of vacuum cleaners or other heavy duty electric motors, anything you plug in draws far less current.

The only danger would come in is if you use a charger that delivered a significantly higher voltage as that would throw off the regulatory circuitry and result in an over-current which would undoubtedly damage the device.
 

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