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The reader will draw whatever amperage it needs. If you have less mA, it may take longer, but readers don't draw a lot amperage anyways. A regular USB-port on a PC usually puts out a max of 500mA. So more amperage doesn't hurt (but won't give you an extra benefit once the reader gets what he wants, lets say it draws 600mA - just as a random number here - and your power supply can do 1000mA. That means that 400mA are left over, so to say).
I've been using the PSP charger on my 505 for 2 years now and 3/4 of a year on my 600. No damage to be seen.
Every electronic device has specifications for power input. So it should be ok to have a voltage anywhere between 4.8 - 5.2 V (After all, it's just a 4% deviation). Most power supplies don't even reach the nominal value.
And I would rather go with the original PSP charger if you're so concerned about your new toy (allthough I assume that any charger having the same specs should do). Cheaper electronics usually mean cheaper internal parts, too, which may not be that accurate in handling amperage and voltage.
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