I literally just described, in the most layman's terms possible, how the BMSes of modern phones of at the very least the past decade have already been doing battery bypass. The laws of physics LITERALLY don't allow for any kind of "non-bypass" approach. If you still can't comprehend that, I'm afraid you might truly be a clinical case of mental retardation.
Again: what hurts li-ion cells is staying under voltage (i.e. being charged even at 0.000 amps) when fully charged. It's not optimal for storage to be 100% charged and not used for a long period as the full capacity means higher self discharge rate thus more cycle usage thus (slightly) quicker degradation of the cell, but that doesn't matter when the battery is regularly used and the 100% storage isn't happening continuously for months at an end.