Second opinion - it is not feasible that the battery limit is at the bottom. The implication with that limit is that 20% of the cells are left dormant, i.e uncharged. I don't have to expand further on why that is not realistic. It is almost certain that the limit is placed on each cell, that is each cell can only charge to 80% of its maximum charge. In that case the implication is that you can charge to 100% each night without risking damage. Yes, the car gives me the warning when I do that, but that warning means nothing, it's just software.
Bottom limiting is just as possible as top limiting. The charge range on a 60 could be 20%-100% of the actual capacity. They wouldn't have to leave any cells uncharged/unused.
Or it could be middle limited, with the charge range being 10%-90%. (Which I think is the most likely.) But we have seen some evidence that 100% is actually 100%. (Hopefully @Ingineer will get to the bottom of this soon and put the issue to bed.)