Yes it will deteriorate faster than just charging to 85% because pushing in the energy between 85%-100% takes a lot of work for a charger. That’s why you might notice your phone charges quickly from 50% to 85% but slows down the charging rate a lot as it reaches 100%.
Still, if you find you need the full 100% battery charge to last a day then it’s worth charging to 100%. If in a day you only use day 40% battery then just charge to 85%.
Of course, I agree. We are talking about for people needing it to be 100% for the day for their very heavy use.
Basically charge to 100% however they like, just not keeping it charged overnight for fire safety and the pressure of trickle charging at 100% for a long period of time.