As an EE, I find that hard to swallow. As long as, within reason, the proper voltage is being supplied to the USB port, then it is up to the charging circuit to determine how much current it will draw. If you hook a 5V supply to a 25 ohm load, you'll consume 1 Watt from any supply can source 200 mA or more.
That the N900 allows "shorted data" USB supplies to bypass the handshake contraindicates the hypothesis that this is somehow supposed to "protect the charger."
I find it reasonable that Nokia is worried about the case where I hooked my N900 to my laptop and it fried my $3000 laptop.
I hooked my N900 to my laptop and it fried my $3000 laptop.
In neither case, if the charger had the data pins shorted, would the apparent N900 behavior, have saved the charger or the N900.