Well I put mine on the charger every night and take it off on the morning. Use it all day, repeat. If it shortens the battery life a bit I don't care. I, as will most everyone else, upgrade my phone in a year or two so I don't care. The convience of an overnight charge is worth it. My phone is a tool to aid me in my life. Worrying about taking it off the charger the moment it gets to 100% is something that adds complexity to life, not simplifying it.
So for me, I'm not worrying about it. With my use it will likely last until the next upgrade and that's all I want. If it doesn't, well, time will tell and I will have learned a lesson to apply to my next phone. This has been my routine since my first smart phone I bought in 2003. Until then I chose to get on with life rather than worrying about the battery.