The SBMS0 only sends the BatterytoLoad value that is what is in the extLoad.
{"battery":-3127,"pv1":0,"pv2":0,"extLoad":3095}
pv1 - (battery) = TotalLoad
0 - (-3127) = +3.127A
extLoad = 3.095A
SBMS0 self consumption 3.127A - 3.095A = 0.032A
SBMS0 separates the current provided to Load by the battery and the current provided to Load from PV
What you get in to extLoad is current provide to Load by the battery only and if you want to find out the total Load current you need to add the current provided by the PV
If battery current is negative as in this example it means battery is discharging so this current is flowing to Load and very small part 0.032A is the SBMS0 self consumption.
If battery current was positive it means battery is charging and so extLoad will be zero as all load current if there is some will be provided by PV.
That is why in your original first example PV1 current was 3.914A but only 0.27A was ending up charging the battery thus the delta was going to the load directly from PV so PVtoLoad = 3.644A
case 1
3.914A - (+0.27A) = 3.644A
So if you are interested in the total load use this equation
TotalLoad = pv1 - battery
this will include the SBMS0 self consumption the PVtoLoad and BatterytoLoad(extLoad)