Frankly I would prefer the software cap which I can disable (with a warning) for long trips. I like to plug in overnight and I can't check at 2 AM where the charge is at.
Presumably these "it's a lease" folks are just choosing to set the 'limit' at 100%.
I agree with other comments that I prefer the regen anyway; it's weird to charge to 100% and have to use the brakes to slow the car so much. Your efficiency on that last 10% of charge is lower because of this lack of regen.
Second, Nissan tried having the Leaf default to 85%. But they got in trouble for claiming more range than they should. The government rates the capacity in the default configuration.