This has already been the subject of great discussion on the iOS 13 forum. I don't know if you remember, but for optimized charging to work, it was necessary to activate two options in Location (important locations and system customization). It turns out that these days I saw that my wife's device was doing optimized charging without at least having these options enabled. Tonight I turned off both options to test on my device and it worked! Apparently, starting with iOS 14.2, it is no longer necessary to have these options enabled for optimized loading to work.