Davida444, Welcome to the discussion area!
The wattage is different and your computer
will run very hot - its like having a lamp that says
use only 50 watt bulbs and you do a 75 watt bulb and
eventually the thing shorts out.
Your analogy is incorrect. In this situation it is
more like having a car that can go 120 mph but you
only need to go 65 mph. There is extra ability but it
does no harm. In fact having the extra rating will
mean that the charger runs cooler than the original
one.
I had to replace my 45w adapter and was told by Apple that a 65w one would work. Since using it, the battery icon has been slowly reducing in percentage. At first it was around 57% and although I only use the computer when connected to the mains, it now sits at 1% where it has remained for the last several days. I don't want to buy a new battery if the same thing will happen and I have noticed thatb the undrside of my laptop is getting very warm.
Any advice is appreciated