But, most people would be perfectly happy limiting charging to 75% 340+ days a year if only the dumb software made that easy. Because, if you charge to 100% all the time, you may well not even have that extra range available to you a year or two from now when you finally try to take a long trip.
75% as a top limit is a bit extreme, as it's actually "storage" SOC level (best for sitting for a long time).
And taking into account 5% top buffer which is never used, going to 100% indicated is not that bad.
When you're close to actual 100%, every percent down does matter, but below 95% (actual) further limiting is not that noticeable, and below 90% the longevity impact pretty much diminishes as other factors (temperature, cycle depth, load) start taking over.
With more or less constant cycle depth, the rule of thumb would be - single margin off the top, double off the bottom. I.e., if you need 40% capacity daily, running the battery between 40% to 80% would be the best; for 70% depth, 20..90% is optimal; etc.
BTW, talking about AZ (I'm in Chandler), I've installed forced garage ventilation, otherwise temperature degradation (esp. during charging) would probably overlap all other factors.