I know there’s certainly an efficiency tradeoff when AC to DC conversion is involved. For my car the sweet spot for comfort is between 3kW and 6kW as below 3 a substantial percentage (a few hundred watts) is wasted by the inverter and above 6kW the cooling system has to run (a few hundred more watts). For laptops and phones maybe this still holds true at .1C. Some quick napkin math puts that at 5W and at least with PC power supplies they need a bit of load to hit their 80%+ efficiency rating. I imagine it’s a bit different with small bricks?
More to your question the DIY solar community is torn between the benefits of float voltage which is a pretty low charging rate. I bought some cells (not for my house) and on the data sheet they were fine with .1C. They were more concerned with temperature and very high C rates hurting the lifespan. Since I was going to AC couple I was more worried about total system efficiency so similarly staying under a rate that heats the battery up and above the idle power of the inverter was my goal.