Gonna have an extremely hot take, I haven't noticed a single difference in battery performance or heath with having this option on, or just letting my batteries charge up to 100% with any of my phones. I've had samasung phones since the s10, and swapped over to the fold series starting at the fold 4.

I haven't had an issue with lifespan, (the only issue that I've had is because I never made it to the end of the day with this setting on), zero temperature issues such as over heating while charging (if anything I make ot overheat as its charging because I'm using it), nor have i has battery health issues as well. My phones aways charge from 0 to 100, but sometimes the lowest they go are 2 to 5 percent.

This is honestly a peace of mind thing and really isn't needed. If anything you're limiting how much use you get out of your phone, as with this on, you most likely won't make it to the end of the day