Charge to 80 or 100% at Home?

I’ve had a 2023 Bolt for three months. Love it! I know there are lots of questions and responses about charging, but hopefully by this time the 80 vs 100% question has been answered. Here is my question: I currently charge to 80% although all my charging takes place at home using my L2 charger. I read that charging to 80% is the norm when charging at a public fast charger and understand why. However, the same article insinuated that it’s not necessary when charging at home where charging time is not an issue. That makes sense to me, however, if I decide to charge to 100% is the cost of electricity disproportionately higher when charging the last 10-20% because it takes longer to charge that last 10-20%? It makes sense that it would, so why spend more to charge that last 10-20% if I get enough range to meet my driving range needs at 80%? Am I looking at this correctly? Opinions?