so how do you short the cable assuming I get a car charger without a USB to micro USB cable and sourced my own cable from a parts bin that was probably for computer usage?
I don't think that would be a good move!
You would have to be certain of the regulation circuitry of the charger and it's ability to cope with the attendant initial draw of the battery when plugged in.
This will depend on the state of drain of the battery and the various functions in operation at the time on the phone.
At the moment of plugging in is when the draw will be highest and when any protection circuitry will be essential.
A well topped up battery will "draw" less than a depleted one and will continue charging on as little as 350mAh (again depending on what is running on the phone).
A very depleted battery may well not even start the charging process at such a level. That's why the HD2 comes with a 1000mAh wall charger!
The levels quoted for PC/Laptop USB power are nominal off load levels and will vary depending on any othe devices plugged in on the same bus supply.
So, with a PC that has a few attached USB devices, you may well NOT see 500mAh and as has been reported before, you can get battery depletion back into the USB port as other devices draw from the phone!
Always best to keep the battery topped up to prevent "charging strain" on the cells. This will maximise the capacity available when you need it for those longer periods of time.