Apple states very clearly that the phone will charge above 80% up to 100% "occasionally".
The real question here is what exactly is meant by "occasionally". For some users, this might be every 7-10 days, others a few weeks and yet others every 4-6 weeks.
Having tried it both ways, I get better battery performance enabling Optimized Battery Charging and turning Off the 80% gimmick. Soon, there will be other new "gimmicks" in a new iOS version.
I connect the phone to the adapter at night and leave it connected all night.....every night.
This way, I start every day with the battery at 100%. If my battery dies a few months earlier than other users who are using 80% and charging more often, I could care less.