I haven't left my home in 9 days. I just have it plugged in and the charge limit set down to 50%. 50% is still plenty of miles if I need to venture out for food or supplies. I have a HPWC so if I do need to hit the road for whatever reason, I can up the charge limit and top it off pretty quickly.
I can't argue with that for you. But the OP charges on house current (I take that to mean 15a, 120v). And what would concern me (especially for a 75yo in California) is the possible need to drive 100 or even 200 miles to get to a hospital accepting patients. Since there is no material downside to charging to 80%, that's what I would do in his situation.