The main reason people have had their droids go nuts with aftermarket charges is that the chargers' voltages are out of spec. Think of an electrical wire as a piece of pipe (which it is, in a sense, carrying electrons instead of water). Amperage is analogous to the rate water flows through the pipe while voltage is analogous to the pressure of the water in the pipe. If the water is flowing slowly, it will take a long time to fill a bucket. Same with a charger, a low amperage charger will charge the battery, but only very slowly and since the battery is the equivalent of a bucket with a hole in it, it may not charge fast enough to overcome the draw.
Voltage on the other hand, is the pressure of the water. If you put water into something at a higher pressure than it's designed for, it's likely to cause damage. Same for voltage, if you try to charge your droid with an adapter with too high a voltage (more than about 5.25 volts), it's likely to misbehave and could potentially damage it. Too low a voltage is unlikely to cause damage, but it's also unlikely to actually charge the battery either because it can't overcome the "back pressure" of the battery (greatly simplified, so any EEs out there, don't yell at me!).
In short, what you want is a charger that provides 5V +/- 0.25 volts at between 500-1000 ma current. If you stick to those specs you shouldn't have any problems.