They have taken steps "to allow you to have a setting" to solve it. And most laptops do not have such a setting, and certainly not by default.
In your view that charging to 100% is fine given that the charging is now smart and regulated, then why the heck would Apple not have those "regulating mechanisms" instead of not charging the device to 100%?! They obviously know that having it not always charged at 100% or almost 100% might get you in a surprise where you need to stop charging and you're missing out on juice on the go.
But no. If you want to really "preserve your battery lifespan over time" and you turn on this setting, then they will "defer charging to 100%" (which means they will keep it like 80%-85%.)
And laptops do not do this!
These are not settings you need to turn on, these are the very regulations we are discussing that every single modern device has. They do also come with settings, but these have nothing to do with battery regulation in terms of battery health. This is for battery longevity, so that it doesn't die quicker based on your usage patterns.
We are on completely different playing fields here, and are having two different conversations.
In response to OP's question, I reiterate:
The only thing that degrades a batteries health over time is heat. Modern devices and high quality chargers regulate that. Whether it is by not allowing it to charge to 100 when it is plugged in, or any other way, It is not a concern.