Yeah, I understand everyone should try to charge if they can during super off peak hours because it's the cheapest.
But I don't get what you're saying about 4:3 credit ratio. Like I said in my last post, what I understand is your excess solar energy sell rate to SCE is the same as your buy rate from SCE (minus 2c/kWh nonbypassable charges). So my point is it shouldn't matter whether you spread out your EV charging at a low charge rate over 8am-4pm VS charging it superfast in 1hr (as an example). The amount of energy you're using is still the same. In the first case, you're using more of your solar energy to charge your EV, but you're selling less energy to SCE (because all your solar energy is going into EV). In the second case, you're pulling more energy from SCE to charge the EV in the first hour, but afterwards you're selling more solar energy back to SCE at the same cost that you pulled it.