I keep my car charged to 80% to help with battery degradation, and here's why:
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Most days, I don't use more than 30% of my battery capacity (roughly 75 miles/120km). Even that's high. I don't care if that means I go from 100%->70% or 80%-50% when I'll charge back up again overnight
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It's not a permanent setting! If I do go on a longer trip, I'll bring it back up to 100% and not sweat it!
From what I've heard, charging beyond 80% increases the degradation rate, meaning time spent at that level is an important part of the equation. If I keep my phone plugged in overnight and at my desk, I have a lot of time at full charge that I'm not really using, but if I know I'm flying that day or running errands all day I can pop it up to 100% and it will be a non-degraded 100%
I've had my S20 far longer than my car and never did limit its charge. It's fine for me, but the battery is sure showing its age.