I charge to 90% daily and don't even bother thinking about it anymore. For trips I charge to 100%, and the only thing I do is try to minimize the amount of time the pack sits at 100%.
This ^
The pack voltage difference at 90% vs 80% is not significant. Literally about 10V at the pack level, which is 0.1V difference at the cell level. The jump from 90 to 100% is 50% more voltage change (~0.15V per cell).
In any case, the difference between sitting at 4.05V and 3.95V per cell is not going change much since the cells are not fully charged in either case. Sitting at 100% or < 10% for a significant amount of time without discharging or charging, respectively, very soon after reaching that point is what hurts the cells. Leaving them at lower charges for longer is, from my understanding, worse than higher charges. Depending on the temperature of the cells things can get much worse or slightly better from a degradation standpoint.
Long story short, I charge to 90% normally, and 100% whenever I need the extra range. I don't leave the car at 100% for more than a few minutes before driving, normally, and I don't leave the car < ~20% without charging at my destination (supercharger or home, usually). I'm pretty sure this basic practice will save me from significant degradation.
So far I've not lost 1 mile on the P85D after 14,000 miles and have lost 1 mile on the P85 after about the same 14,000 miles.