jcanoe, what's your assessment of this? Do you have this concern with your setup, or are you not worried about this scenario?
Not worried at all. The circuit breaker at the service panel or sub panel is designed to protect the house, house wiring from an overload condition. The EVSE is designed with safety protocols to protect the human operator from being shocked, electrocuted. A relay is used within the EVSE to delay the flow of any current on the two hot leads to the J1772 Connector until the connector is plugged into the vehicle. The EVSE includes ground fault protection and is internally fused. If a condition ever arose that caused the EVSE to start to output more than its maximum rated amperage that internal fuse should open, shut down the EVSE. (This is the same type of risk that we assume with any other home appliance when it is plugged in to a 15 or 20 amp 110V outlet. If there is an overload condition within the equipment then the fuse or breaker within the device will open, else next the circuit breaker at the service panel or sub panel would be tripped, shutting off power to that equipment and the circuit. The device where the overload occurred might be damaged but the home, home wiring would be spared.)
When installing the 240V circuit your electrician is going to want to know what equipment will be plugged into the 240V outlet or wired into the junction box they would be installing. Per the electrical code, for a hard-wired EVSE connection the service panel breaker or sub-panel breaker needs to match the EVSE manufacturer's maximum amperage as stated on the equipment label on the EVSE. So for a Clipper Creek LCS-20 (the wired version of this EVSE), that has a 20 amp maximum rating, it would be correct for the electrician to install a 20 amp breaker in the electrical panel or at the sub panel (if you have one). However, for the plug in version of the same LCS-20 EVSE (in this example an LCS-20P fitted with a NEMA 14-50 plug), the electrical code permits connecting the plug-in EVSE into a receptacle rated higher (but not lower) than the rated maximum amperage of the EVSE. In this case the breaker will match the maximum voltage and amperage of the receptacle. For a NEMA 14-50 receptacle the electrician would be correct to install a 50 amp breaker.
If after installation, inspection you were to change out the 50 amp breaker for a lower amperage circuit breaker to match the maximum amperage rating of the EVSE, for example a 20, 30 or 40 amp breaker, it would be usable with your current EVSE but not correct for the receptacle per the code. If you ever upgraded your EVSE you would also need to change out the breaker at the panel for a breaker with a higher amperage rating not to exceed the 50 amp rating of the NEMA 14-50 receptacle. If you were to later move and don't reinstall the correct 50 amp breaker for the 14-50 outlet the next electrician or owner that attempts to use this 14-50 outlet would have to troubleshoot why the breaker keeps tripping whenever they attempt to operate whatever equipment is expecting 240V/50 amp to be available at the 14-50 outlet, they eventually would find that an under spec breaker had been installed and have to swap this out for the correct 50 amp breaker.
Since you are installing the EVSE inside a garage the plug in type EVSE is allowed by code. The advantages of a plug-in EVSE include: 1) being able to quickly swap out the EVSE for another unit if the EVSE fails. 2) the ability to upgrade to a higher power rated EVSE (up to the maximum rating for the outlet) yourself without requiring the services of an electrician. 3) unplug and take the EVSE with you if you move without requiring that you access, cap off the EVSE wiring inside a junction box. 4) you won't be required to install a separate service disconnect box between the service panel or sub panel and the EVSE as the plug on the EVSE serves as the service disconnect.
(If you were to install the EVSE anywhere outside, i.e. not inside a garage, you would be required to hard wire the EVSE (no plug allowed by code) and install a service disconnect box between the service panel or sub panel and the EVSE. The service disconnect box would need to be installed within line of sight of the EVSE. Although a plug-in EVSE might initially costs slightly more than the wired version of the same model EVSE the cost of installing the required service disconnect box would exceed the additional cost of the plug-in version of the EVSE. There would be no savings, end up costing more to install the wired version of the EVSE because the electrician would have to install a separate service disconnect box in addition to the junction box where the circuit would be connected to the EVSE wiring.)