I don't understand why you'd ask the question if you believe that you already had the authoritative answer.
My opinion mirrors POQbum's advice: it depends entirely on the charger.
In any regard, this is a hotly debated topic on the net. A few seconds of Googling will turn up more arguing than you could read through in a lifetime. No use in dragging that debate into this thread.
That's why wall chargers are referred to as
AC Adapters.
A properly designed wall charger converts 120V* AC to 5V DC
A properly designed car charger converts 12V DC to 5V DC
No matter what, your phone shouldn't just be hooking directly into a raw power line.
*Varies by country