In my experience the weather and incline will have a far greater effect on your range than whether you charge to 80, 90, or 100%. The Model 3 will be different of course, but in a Model X you can expect that:
1- if you drive carefully in fine weather, you can get close to or sometimes better than the rated range
2- if you enjoy driving, you can expect to need 20-30% more range than your trip distance (ie. 130 range to go 100 units)
3- if it's winter and you live somewhere with seasons, you can expect to need 60% more range (160 to go 100)
4- if it's winter storm weather plan on 70-80% more range than usual, or ensure you have a charge stop en route (180 to go 100)
So topping off that last bit of battery -- while it can help -- pales by comparison to cold weather or inclines. Your own driving habits make a huge impact, too.