I have been having issues with my MacBook charging all the way to 100 even with the optimization toggle switched off. I have even changed the low power mode to "Never," "Only on battery," and "On power adapter." Nothing seems to have remedied it. I even had the latest 18.1.1 OS update which only "temporarily" fixed it. It is back to only charging to 80% and I do not know what else to do except go to Apple and see what they can do. I do have a job and I can probably just upgrade to the M4 MacBook Pro.