I was actually going to say the car analogy is excellent if you're familiar with electric cars!
My Chevy Bolt was artificially limited to a hard 80% charging limit for about 6700 miles of driving, via their latest firmware, because GM is trying to ensure the newer battery packs aren't defective and subject to catching fire like the original ones did. They clearly believe only charging it 80% full is a safer way to monitor the battery pack and prevent issues in case it turns out it's a defective one. They run a bunch of diagnostics for that 6700 mile period and if all is well, they unlock ability to charge to 100% again.
And I've owned several Teslas where they all advised you're better off never charging to 100% full except when you're ready to leave right after that, immediately starting to discharge it again on a trip. They say 90% is fine and 80% is better for daily use, if you're trying to maximize the battery pack's life.
I think this is just the nature of these types of batteries. They're under stress when charged all the way up to the limit, or close to it. That causes a faster breakdown of them at the molecular level. You can obviously do it if you want, but Apple's acknowledging it's a tradeoff of battery capacity vs lifespan, so now you have choices.