Still, after 5k cycles difference is like 5%, and that's from starting baseline not relative. So it's hardly catastrophic to charge to 100%.

Seems way more important to not get down to 10% before plugging in.
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It's important at both ends.

"The result showed that, when only considering ageing from different types of driving in small Depth of Discharges (DODs), using a reduced charge level of 50% SOC increased the lifetime expectancy of the vehicle battery by 44–130%"

www.mdpi.com/2076-3417/8/10/1825
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That said, the BMS plays a role, and not all BMS are the same. More advanced ones can tolerate more aggressive charging better than packs with a simpler/no BMS.

But BMS performance is also a function of how much down time the pack gets plugged-in, which I think is part of the point of OP's thread.
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