@nan_ano
The 20/80 rule holds true for the older lithium chemistries like Lithium Nickel Manganese Cobalt Oxide (NMC) used in power tools, phones, and most US EVs. The LiFePo4 chemistry has so little degradation at the SOC extremes that calendar aging is going to reduce your capacity much faster than using the full 100% will.
But improper cell balancing will rapidly degrade your capacity as well as aging the cells at different rates. let's say you have a 12.8V LFP. The 100% charge voltage is 3.65/cell and 3.4/cell 100% at rest...
If your cells are 3.45/3.55/3.55/3.65, the BMS shuts down charging at 14.2V to protect the high cell from overvoltage. At rest the cells drop to 3.2/3.3/3.3/3.4 which is 13.2V or only 70% SOC. So you've already lost 30% of capacity before considering that a similar early shut down of discharging will happen to protect the lowest cell. The small degradation from the cells spending enough time near 3.65V to do proper balancing is nothing compared to a 30-50% capacity loss and uneven cell aging.
FWIW, I fixed my issue by opening up my battery and top balancing the cells by hand to 100% and within 0.001V of each other. It was a painstaking process, but now the cells have been cycling daily from 100%-20% for the last few weeks without issue, and the balance is never more than 0.010V out throughout the full range.