Author here, I think my Optimized Charging description is a fine description of how it works in practice. To borrow from another publication: "Optimized battery charging is a feature on iOS 13 or newer that limits overnight charging to protect your phone's battery in the long term." [0] With it, iOS learns your habits and will try to keep your phone charged under 80% until soon before it thinks you will take the phone off the charger, when it tops it off to 100%. "The algorithm aims to ensure that your iPhone is still fully charged when unplugged." [1] I have also used the feature personally since it came out, and this is how it works. What do you take issue with specifically?
[0] - https://www.pocket-lint.com/what-is-optimised-battery-chargi... [1] - https://support.apple.com/en-us/HT210512