I been charging my 220ah lifepo4 to 3.65 everyday for almost 5 years. I prefer 100 percent everytime, it doesnt seem to affect anything on my battery which is still performing as when it was new. But I rarely use more than 50 percent of the battery. From my own experience charging to less than the max probably wont make the battery last any longer. 5 years of everyday use is still a long time for me.