I know nobody cares about iphones older than the 15 in this subject, but I'll toss this in here: My iPhone 12 ProMax, bought in early 2021, is down to 80% life, and I hardly notice it because it's always on a charger. Here's why that is:
At home, I have Belkin MagSafe/magnetic chargers in the kitchen, family room, and in my home office. The phone is always plugged into one of these, depending on where I am in the house. It's just a convenient place to put the phone Even when the phone is playing music or a podcast to my Sonos devices via WIFI, it's just easier to know where the phone is if I want to change the channel or change to a different podcast.
In the car, I have Apple Carplay which is USB-only and does not work with magnetic charging. So I just have a simple magnetic holder for the phone and I use a USB to Lightning cable to get the Carplay interface and be able to use Waze, Amazon Prime music or Pandora, or the Apple podcast or music apps. The cable is required for Carplay, and as a side-benefit, it also charges the phone. My car is an Acura, so it has a built-in touch pad below the multifunction display. The car's display is not touch...but the little touch pad actually works quite well and allows me to change apps, answer the phone, respond to Waze prompts, and much more; all without taking my eyes off the road...plus, there's no poking at either the car's or the phone's screens, which I kind of like when I'm driving.
So yeah, my phone is almost always charging all the time. And after 4.5 years, it's only down to 80%. I've occasionally seen a message that it expects "to be fully charged by 8 am tomorrow" and stuff like that. I haven't tried to change any settings. And because it's always on a charger, I don't really notice the battery life going down. It just works, and that works for me.
Tentatively, I plan to get a 16. I probably will just leave the default settings alone. It just doesn't matter all that much to me.