When comparing laptop chargers rated at 19V 2.64A and 19V 3.42A for a 65W laptop, the higher-rated charger is generally more efficient and safer. Using a charger with a lower current rating may lead to potential overheating or failure, especially if the laptop draws more current than the charger can handle. It's important to select a charger that matches the laptop's power requirements to avoid damage. Li-ion batteries require a constant current for charging, and using an intelligent charger can optimize battery health. Ultimately, the charger must be suitable for both powering the laptop and charging its battery effectively.