Pretrained diffusion models exhibit a well-known training-sampling mismatch, often attributed to exposure bias and related distribution-shift effects. We provide a quantitative interpretation of this phenomenon through the notion of an effective noise level: empirically, a pretrained denoiser behaves as if trained at a noise level slightly below the nominal schedule. Motivated by this observation, we introduce a training-free sampling strategy based on truncating the Karhunen--Lo\`eve (KL) expansion of the Brownian motion driving the forward stochastic differential equation. Truncation yields a finite-dimensional forward process with a reduced noise level that can be adjusted independently of the time discretization. We prove uniform convergence of the truncated process to the original diffusion. To explain the resulting behaviour, we analyse a toy model in which the denoiser is exact but operates at a reduced effective noise level. The analysis predicts a non-monotone response to the sampling noise with a unique interior optimum, located by a one-dimensional sweep over the truncation order. We implement the approach through corresponding truncated reverse-time and probability-flow equations, without modifying the network architecture. Across CIFAR-10, CelebA, ImageNet, and latent-space Stable Diffusion, the truncation order consistently reveals a sweet spot, improving pretrained models in nearly all tested configurations. Training from scratch at a matched truncation order makes that order the network's own sweet spot, accelerates convergence by about $2.8\times$, and lowers the generation error on CIFAR-10 (Fr\'echet Inception Distance 7.14 to 5.47 at matched epochs; best checkpoint 6.74 to 5.23). A L\'evy--Ciesielski comparison confirms that finite expansion is broadly beneficial.