apparent degradation if you change to 90% (maximum daily) rather than 80%.
Apparent is the key word. You can only get the BMS more or less badly calibrated. I'm quite sure now that it hides most degradation anyway. You will only find out how much degradation you have when you try and get close to 0 miles.
Every Li-ion study in existence says higher SoC is worse for degradation. Nothing special about the Panasonic cells in your Tesla.