There's really no reason a lithium battery should ever be charged to 4.2v.
I suspect almost any consumer would prefer the capacity/lifespan tradeoff at 4.1v, but we inexplicably decided it should be 4.2v, and now it's basically impossible to lower the voltage without 3x the complexity because all the cheap ultra simple linear chips are fixed at 4.2v.
So we have tons of gadgets out there, which do not need the extra 10% capacity, they run for months with typical use anyway, being charged at 4.2v.