Indeed they limit the battery charge itself so you never reach 95kwIf I set the charge limit in the vehicle itself, it doesn't seem to go past 1% or so of the value set. I suspect there is a margin of error.
Also don't forget that Audi limits the usable capacity of the 95kW battery to 83kW or so. So an indicated "100%" state of charge (SOC) is more like ~88% actual charge. I factor that in to my charging practices, depending on how frequent or far I need to drive.
I too work from home and with a 40amp charger in the garage, its really not a big deal keeping it lower. Plenty of range for 99% of my driving with zero concern.