To be picky the least stressful is "top up if needed, use it, charge it partly" (on a timer) because aging takes off exponentially in the region above 4V and the BMS can kill a battery stored close to empty. And balance occasionally.
There's more to it than how long your battery lasts, it doesn't croak at 300 to 500 cycles, it just has 20% less capacity. If your commute needs 48V x 10Ah you'd buy 12Ah to get 4 years of use, 14 Ah to get 8 years. My batteries are 11 years old, a bit down on range and maximum current but still ample.
480Wh x 400 cycles is ~ 10 miles per working day for 8 years, similar life to a crankset. A moderately oversized battery reduces the C rate for charge and discharge improving its life further, compounding the benefit and reducing e-waste. You've reserve for longer trips, cold weather, ageing and upgrade to a more powerful controller. And that occasional balancing: it optimises capacity but if you've spare capacity...
"2. When you charge to 80%, your motor will make 20% less power all the time you're using it."
20% less power at the limit, but mostly the usual power for 80% of the range. With a torque sensor system the rider will push "a bit" harder and get 2 or 3 bits more assistance, similarly with a throttle or PAS settings.