I don't really see the point of a charging limit, even if lessens capacity degradation over time. If you only charge to 80% all the time, then you're effectively starting on 80% battery health, just in terms of how much runtime you get from that charge.
So, assuming your battery is at 90% health after 2 years and you charge to 80%, that means you get 72% in terms of runtime. If my battery is at 80% health and I charge to 100%, that means I get 80% runtime. Sure, if you then suddenly start charging to 100% instead you'll get better runtime than I do, but you had to compromise on runtime in the two years before that.
Also the few times I tried it, there's no quick way to override the charge limit for one time only, is there? So if I decide I want/need 100% charge today, I need to got to the settings and remove the charging limit I set and then wait for it to charge from 80% to 100%, which takes a long time.
It's just too much of a hassle. I'd rather just charge my phone whenever I feel like it and it should just charge as fast and as much as it can during the day. It can take its time over night, sure, and the "Optimized Battery Charging" setting seems to work well for that. If the battery degrades too much, I'll get it replaced. Yes, that is expensive at like $100 (?) now with the new Pro models, but I'd rather spend $100 after 2 or 3 years than to keep thinking about how I charge my phone.
I also feel like most of it is luck anyway, battery health will mostly depend on how high quality it was from the factory. My 13 Pro was at 90% battery health after two years of mostly just MagSafe charging (>95% of the time), and it didn't have any charging limit set or even possible (because that requires the incredible power of the A17 Pro or higher it seems). I recently bought a used iPhone 12 for someone and its first battery is still at 92% health.
Just use your phones and don't worry about it.