There is HVC (high voltage cutoff) on most premium brands like Bosch, Brose, Shimano or Yamaha. Their charger shuts off charging once the cells reach certain voltage but some generic 2A chargers don't have that capability.
I am a doctoral researcher working on batteries, from my understanding the reason you don't want to keep your battery fully charged for a long time is ...... [analogy] it's like cooking on HIGH-setting, some dishes cook better at low setting. Similarly, a fully charged battery is like HIGH setting on your stove. The Li-ions are raring to go to the other electrode and release energy but since there is no load (your ebike is turned off), they can't move anywhere and this promotes the electrolyte oxidation and degradation. Recently, there was a lot of news about Prof. Goodnenough and his solid electrolyte batteries. The reason people are working on it is because, solid electrolyte won't attack the electrode like the liquid ones.
Anyway, the point is, keeping your batteries at high voltages is not a good idea... it's like arousing a boy intentionally and not let him release his pent up tension. LOL
If you charge it to 90%, for sure it's better but Bosch systems have puny batteries at 400Whr and if you only use it between 20% to 80%, you have roughly 300Whrs usable capacity and that seems very small.
Ideally, you would want a 700Whr battery and then you have lot of room to play with it.
To be honest, charging to only 90% may enhance the battery life but in 2 years the bike itself will be outdated and it seems too much cognitive work for a minor improvement. FYI, Bosch dropped the price in 400 powerpacks once they released the 500 powerpacks and if you don't leave your batteries plugged in all the time, a Bosch battery will last you ~500-600 cycles.