I read the manual and to me it seems to suggest charging past 80% is worse when charging via DC Fast than AC. I charge level 1 AC most of the time and plan to charge to 100%. But if I use DC Fast on a longer trip, I plan to only charge to 80% (and I set the limit at that in the car settings).
Experienced BEV drivers only charge to 80% during a DC fast charging session, but more because it takes an excessive time to charge that last 20% (from 80% to 100%), not because of the additional strain on the battery pack. Battery packs charge fastest when they're nearly empty of charge and the charge rate tapers off to a slower and slower rate as the pack approaches 100% charge.
You're better off leaving the DCFC session with an 80% charge, and if you need more, making another charging stop further down the road. You'll get to your destination faster that way.
It's true that DC fast charging does put more strain on the pack than slow charging, but unless you're using DC fast charging quite frequently, that shouldn't have a significant impact. Besides, it can reasonably be argued that the additional strain isn't that great, because the Tesloop company charges their Tesla rental cars at DC fast chargers every day, usually (altho not always) charging to 100%, and their battery packs haven't degraded all that much worse than the average Tesla car.
(Caveat: If you own a Leaf, then using DC fast charging more than once during a day probably
does have a significant impact on battery life. The lesson there is if you get a Leaf, just lease it; or if you decide to actually buy a Leaf, against good advice, then never use a DC fast charger more than once before parking the car and letting the battery pack cool down for several hours.)
Besides, the battery pack has a lifetime warranty, right?
Unlikely. It's generally just an 8 year warranty, and it's also limited to a maximum mileage. I don't think any auto maker offers a "lifetime" or unlimited mileage warranty for a BEV battery pack.
I mean "worst case" scenario you get earlier degradation of the charging capacity .. say at 8 years instead of 10 or 12 or 15. Well... then the warranty kicks in.
No, the worst case scenario would be the pack degrading to 71% of capacity in 8 years, just barely above what most BEV makers use as the cutoff point (70%) below which they'll replace the battery pack. Fortunately, unless you drive a Nissan Leaf and you keep it for 8 years or longer, that's very unlikely to happen to you.
EV-haters used to claim that EV owners would have to replace their battery packs every few years. But in practice, we see that this simply isn't true. Unless you buy a Leaf, your battery pack should last the lifetime of the car.