Why use Tesla wall connector in a first place and not just the standard nema/dryer outlet with the Tesla cord/charger? It seems like people are overpaying for nothing.

I can do 48A @ 240V with my wall connector. It's also very convenient.

I do as well with a NEMA?

I don’t think the mobile charger allows more than 32A continuous over NEMA, even on a 50A receptacle

I can confirm this. Our Model 3 doesn't charge as fast using a NEMA 14-50 plug connected via the Tesla-provided mobile charger.

When we moved to a new house, we bought a Tesla wall charger, and it indeed charges at higher amps, but I don't know if the extra speed has necessarily been worth it since we primarily charge the car overnight.