Personally, I have a Shortcut to put my phone into "low power mode" once it hits 90% (why not?).
Maybe a Shortcut could do the same and turn off power once it hits 80% on your overnight charging dock and then use a small amount of power while the screen is off.
Isn't low power mode for when your phone has very little battery left? I don't understand why one would put a phone in low power mode when it's charging and hits 90%.
Personally, my 15 pro can do >72 hours on a single charge WITHOUT doing stuff like this, even starting at 80% (note: mostly standby, no always on display, with ~3h screen on time total). The 80% limit is definitely something I'll be using virtually all the time.
For me, I find the performance/lost functionality fine: https://support.apple.com/en-ca/HT205234
Worn out batteries don't just have limited capacity, they charge slower and create more heat while charging due to internal resistance. I'd much rather charge to 80% for my typical day, but have the option to 100% charge on those rare occasions when I know I might need it (long day travelling, etc).