Almost all plug-in hybrids have on-board chargers than can handle either Type 1 120 volt cord sets or Type 2 240 volt cord sets. The on-board charger is both a 120 volt charger and a 240 volt charger, and charges according the the ability of the cord set and the circuit it is plugged into.
When connected to a Type 1 cord set, the vehicle charger will operate at 120 volts and provide approximately 1.2 kW to 1.5 kW (1200 to 1500 Watts).
When a RAV4 Prime with a 3.3 kW on-board charger is connected to a Type 2 240 volt cord set, the on-board charger changes to 240 volt, and so it is considerably faster than the Type 1 120 volt connection.
So, yes, you are understanding correctly. If you have a 3.3 kW (3,300 Watt) on-board charger it will still only charge at 3.3 kW even if connected to a charging cord set that is 'capable' of providing 6.6 kW (6,600 Watt). The vehicle charger just can't provide more than 3.3 kW. Your are stuck at a much slower charging rate than those RAV4 Primes that have the 6.6 kW on-board charger.
However, when plugging in and using a 240 volt cord set you will be charging much faster than the Type 1 120 volt charging cord set.
Not all Type 2 on-board chargers are created equal, as shown by the RAV4 Prime. The 3.3 kW on-board charger and the 6.6 kW on-board charger are both called Type 2 chargers, since they both use 240 volts. They are faster than the Type 1 120 volts, so your comments asking if you are limited to a "Tier 1 (sic)' charging speed is not quite correct. It's faster than a Type 1. The 3.3 kW is a Type 2, but only about 1/2 as fast as the 6.6 kW Type 2.
I wonder how many people have purchased a cord set capable of providing 6.6 kW for a vehicle with a 3.3 kW on-board charger only to find the vehicle charges half as fast as they expected.
If you want to use your 3.3 kW capacity, check with your electrician as it is quite likely an existing clothes dryer 240 volt circuit will have sufficient capacity to handle the 3.3 kW on-board charger. You will need to purchase a Type 2 charging cord set with appropriate 240 volt house plug.
CAUTION!! The 120 volt cord set is designed only for 120 volts. Never change plugs or use adapters to plug it in to a 240 volt circuit, which could damage the cord set, the vehicle, the house wiring and increase the risk of shock and fire. Modifying them (as shown in some YouTube videos) is not safe.
An interesting aside. As a safety feature, until the vehicle and the cord set are connected and have communicated with each other the main 120 or 240 volt circuit to the vehicle is not energized.
Some full electric vehicles (EV) are now shipped with up to 11.0 kW on-board chargers. These require a 50 or 60 Ampere 240 volt service which might require an upgrade to the house electrical service, and a cord set rated to deliver 11 kW. Even though they provide much faster charging, they are still called Type 2 chargers, since they operate on 240 volts and use the vehicle's on-board charger. Providing such a large on-board charger for a plug-in hybrid, with a relatively small battery, would probably be over-kill for most plug-in users , but very useful for at home charging of an EV.
Type 3 cord sets do NOT use the vehicle's on-board charger, so can charge even faster. Plug-in Hybrids, like the RAV4 Prime and the Chrysler Pacifica Hybrid, do not accept Type 3 cord sets, and will only at Type 1 or Type 2 speeds using the on-board charger.
Home Type 3 charging is, in general, cost prohibitive and not practical for at-home charging. And again, not available to us plug-in hybrid owners.