I use my phone so little that this is not really a concern, but if you're the kind of person who regularly drains your phone battery then I guess it could matter.

My battery health is reported at 81%, though I've seen some speculation that iOS 17 betas changed how this is calculated because people see lower numbers than they did before. Regardless, looking at previous 10 days history my peak battery use was about 60% last Sunday.

Fast charging also hastens battery ageing. So plugging it in might not be better.

Citations for that?