Why does it matter to adjust current if maximum power supply limit is not exceeded?
Imagine the situation where you have a new card you have designed, never been powered before...

You plug it into a 28V supply and set the current limit to 5A because "well it will only draw what it needs to work".

Now ideal case it should only draw 0.1A but you now have hooked it upto a 140W supply. There is an unknown problem in your design be it


Circuit design issue
Circuit capture issue
Layout issue
Layout manufacture issue
Card stuffing issue
Test issue


A low impedance path is created somewhere so a circuit that would draw 0.1A now draws 5A => damage.

Your test setup should be for what could happen not what should.