Just use a fast charger. The phone will regulate itself just fine. In 2-3 years just replace the battery if you lose a lot of capacity. Use it as it was intended!
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Yes, the intention is these devices have smart throttling to not overwhelm or stress the hardware. You may want to consider a watt measuring cable, which will allow you to see the pass through at different battery levels if you're concerned.
This insanity over battery health has gone way too far
Not really, charging speed can make a pretty noticeable difference to your battery life in a few years time.
The optimization setting will help. It automatically will charge to a certain percentage then slow roll it and notify you with an estimated time or timeframe. On the other hand you can create a shortcut to go into low power mode at any percentage you want.
Personally I have my shortcut set to turn on low power mode when it goes below 50%, and turns off when it’s charged to 80%.
Wouldn’t worry too much about super juicing your phone anymore. I can probably screen the shortcut script I have if you would like to copy it instead of trial and error.