Interesting info fizzit. I tried finding information on the MINIs cells. There is precious little. All I could find is 12 CATL modules for a total of 350.4V nominal, 93Ah and a weight (including harness/wiring etc) of 200kg. This would indicate each module has 8 cells (or several in parallel) of 3.65V nominal in series (eg. NCM 811). This gives 8*12*3.65 = 350.4V. The nominal charging voltage is 4.2V with a 4.25V maximum. Voltage to SOC is actually notoriously difficult in lithium batteries as it is non linear and depends on many factors. If, however, the batteries behave like other (smaller) batteries, 4.1V represents around 87% SOC, based on 100% at 4.2V. So if 4.15 is correct, you would say it is somewhere between 6.5 and 10% down (due to the non-linearity of the voltage drop). This is less than the 12% the battery doesn't have access to, so it would show a bottom buffer of between 2 and 5.5%.
When I said hiding the degradation, I mean from the user, not as in VW hiding results. You are correct, in that you can keep charging to the same voltage as the battery degrades - well until it can't physically reach the 4.15V per cell. One benefit of a large(ish) top buffer is that you still have regen at 100% charge. A Tesla owning friend of mine complains bitterly about this when he road trips and charges to 100%. Until the battery drops a bit, you can't regen. Tesla doesn't have a top buffer, but suggests only charging to 80%. Luckily the MINI is quite happy to use regen at "100%" as it is not 100%