Yeah, a friend of mine made a similar argument and I hear it. Personally I'm always right beside a fast charger so it's not an issue for me.

My phone has an option to auto-stop charging at 80% so I use that. I will occasionally charge it to 100% but like maybe once a month. TBH if it had an option to stop at 90% I'd probably use that as a middle ground (my steam deck does and I use 90% with it). I got 5 years out of my last phone and I'm 3 years into the current one and hoping to get many more out of it.

edit:

Personally I charge to about 95% and my phone batteries remain at 98-100% condition after 2 years of everyday use.

That's a good reference point, cheers. Do you not find it a pain to monitor that though?