As Framework’s CEO stated in another thread all Framework laptops are designed for a maximum charging C-rate of 1C.
C-rate is the ratio of charging speed (in W) to battery capacity (in Wh). Since the battery is 85 Wh and the ratio is 1:1 that means the maximum charging speed is 85 W.
However some of the power is wasted in the charging circuitry, meaning that in order to reach the full 85 W charging the battery it actually needs at least a 90 W charger (or possibly a bit higher).
The main reason to have a charger greater than 90 W is for using it while plugged in.
Side note, you mentioned “130w charger” in your post. I am not aware of any 130 W chargers that use the open standard for fast charging, which means that they will not work (at least not at full power) with the Framework Laptop. Afaik all currently available chargers that use USB-C PD standard are either ≤100 W, exactly 140 W, or exactly 180 W (Framework’s charger). So anything listed as 130w is a red flag.
Here is the quote from Framework’s CEO.