I am the owner of an EV. We limit ours to 80% unless we're taking it on a long trip, which is something the manufacturer AND the charge screen recommend we do. Sometimes it sits for a couple days unused, especially in the winter, so the risk of swelling to such a large battery is real.
My iPhone, on the other hand, is used every day, rain or shine, for a zillion different things, and is expected to be there for me at a moment's notice no matter what I need to do. Besides my Mac it is probably the computer I use for most things. Even if I didn't upgrade frequently, I would still charge to 100% daily. I just refuse to fret this much over a battery in a phone when I can just replace the battery or phone when either one breaks or wears out for a pretty nominal fee compared to what an EV costs.