Well, I took off the belly pan and inspected the charger. And I opened up BMS and did a re-set. Neither location showed any significant grunge (photos attached).
The only thing of significance that occurred was that after the re-set, the coded lights did the "temperature disable" code for about 10 or 15 minutes (with key off), and then after the coding lights went blank, I turned the key on and instead of the bars only going up to 8, I actually got 9 bars (yes!)
After that, I checked with the zerospy app, and the only significant (maybe ?) changes were that the min/max went from 3404/4142 mv to 3405/4155 mv, and the amp-hours went from 23/70 to 21/71. I currently have it plugged in, and the lights are doing the balancing act, so I'll check with the zerospy app after another day or so.
Going forward, I'm just wondering how to keep things from getting worse -- at least until someone in either Calgary or Edmonton decides to open a Zero franchise. I'll certainly get a 240v installation done in the garage, and just keep the bike plugged in at all times (when not riding), but other than that, is there anything else I should do? If the bike can charge to 9 bars, I'd be quite satisfied with that, since my commute is quite short.