Gallium Nitride based modern phone chargers are 95% efficient.
The very best, most expensive PC power supplies on 115v AC will only reach 94% at the very specific 50% load of power supply rated wattage. So if you have a 500 watt power supply, and aren't using almost exactly 250 watts, you aren't getting that 94% efficiency. Regular power supplies under normal variable load conditions are going to be somewhere in the 80% efficient range. If the PC is idle, that efficiency can drop to 20% (but it's fine because it's only a few watts).
So using a modern Gallium Nitride stand alone charger will be more efficient. It will be extremely more efficient if you use that stand alone charger instead of charging off your PC while your PC is idle.