Yes my poor use of words possibly, however your use of the words ‘faster wearout’ only happens for a reason.
My point is that charging at 4.4V, which is what is the norm on my FP3, is high and so prolonged charging at that voltage is effectively over-changing.
I am not aware of the charging algorithm and if there is either a float voltage of 4.4v or 4.3v etc or if there is an occasional toping up charge…
Image courtesy of batteryuniversity.com
However given that you are an electronics engineer maybe you know how the Qualcomm Power Management works ~ I have yet to find details.