I say this with the usual caveats about situations where the vendor hasn’t specifically assured me that it’s a supported configuration and I’ve had the chance to personally test for lies and unexpected quirks; but your mention of the dock/BIOS message reminds me of some behavior I’ve encountered with recent Lenovo docks:
We mostly use the 40AH dock(which is USB-C based; but uses the slightly oddball side connector rather than a single USB-C cable like the 40AS or a single Thunderbolt connection like the 40AN); and it comes with a 135w adapter because it can support some of the punchier models along with a bunch of peripherals pulling power.
I was prepping a system (T490) which ships with a 65w USB-C adapter and supports the 45w one; using a 40AH I had available just for convenience. Because I didn’t feel like mucking around with the power strip I plugged the 40AH into a 90w adapter rather than shuffling things around to get its adapter plugged in and got similar BIOS complaints about an underpowered situation on every boot, despite the fact that there was nothing plugged in to the dock except the one fairly low power computer(with a fully charged battery, so no extra load from that). My understanding is that the dock is capable of generating complaints on its own initiative and (at least when it’s a Lenovo dock and a Lenovo system with firmware that understands and heeds them) getting them delivered on every boot; even if there is no problem.
Obviously, especially with the wonderful world of USB-C’s myriad variations, the only way to know for sure is to test; and you can take the word of a fungus on the internet for what you will; but I’d suspect that a direct connection of a T480 to a 61w USB charger(assuming all the ducks are in a row with the cable being used) will work fine; but I know for a fact that some docks will complain bitterly unless they are given an adapter of the power they expect; and depending on how closely they collaborate with the computer can sometimes make their complaints known via boot time messages. I wouldn’t generally try to replace a dock brick with an underspecced one; both because of that and because dock bricks are typically the ones that you don’t pick up and carry with you all that often; while direct power/charge bricks are size and weight critical.
It’s annoying; but arguably fair: a laptop has a battery and various sophisticated power management options at its disposal, so it is well equipped to degrade gracefully if underpowered, all the way down to ‘still draining the battery, just more slowly’ and (unless the vendor is a dick) should still be able to at least charge the battery while turned off from even a fairly feeble adapter, just not fast.
A dock, by contrast, has nothing to fall back on; and if it browns out you get frankly unacceptable things like connected monitors going on the blink, peripherals connected through the dock falling off the bus; potentially docked computers reverting to battery mode power settings rather than AC mode ones; so one can at least understand why they would want a brick large enough that you won’t encounter unexpected brownout behavior even if you plug in a bunch of high drain devices at the same time your computer tries to top up its battery and do some 3d rendering.
I speak as one who hasn’t had much opportunity to verify the behavior of 3rd party adapters(I don’t yet have a USB-C era laptop myself; and work provides me with ample test subjects but is one of those ‘we order equipment from the vendor according to the guidance of the Accessories and Options Compatibility Matrix(warning: the fact that this documentation is available is part of what, along with the keyboards, trackpoints, and PSREFs, makes me all warm and fuzzy about Thinkpads; but it’s a gigantic XLSX file); not piece it together from 3rd party bits unless there’s no alternative; then we validate it personally’ type environments.)