It's a good idea implemented by Samsung for those that feel charging to 100% is not for them but for me I've never had an issues charging my Samsung phones either using the supplied Samsung charger or the Samsung Wireless chargers I now use @DaveTudor
They are smart enough to charge the phone to 100% and then change to trickle charging to top up the phone to 100% if it dips below.
I opt to turn my phone Off overnight and charge it upto 100% so it's ready for the morning.
Also I want a full charge to be able to use my phone to it's fullest capability throughout the day.
Current Phone > Samsung Z Fold³ 5G. > Software : Android 12 ~ Samsung One Ui 4.