Actually, I am. But what does the Apple MagSafe charger have to do with anything? Also, if you choose optimized charging, why should routines have to do with anything? Apple could say, OK, we'll offer upgrades to you, um, depending on how much you use your system. Or, we'll allow you to empty your trash, um, depending on how much work you do.
Actually, Apple does do some of that. For example, if you use TM, it takes snapshots every hour of the source drive and then copies that snapshot to the backup drive when the system is relatively idle. And then it keeps those snapshots on the source drive for 24 hours. When you drop something in the trash and then empty the trash, the system does not actually free up the space on the drive from that file as long as there is any snapshot on the source drive that has data about that deleted file. So, even though you put it in the trash and then emptied the trash, the system will NOT free up the space on the internal drive for about 24 hours or so.
As for the power setup, Apple never tells us "why" for anything, just a little bit about "how." So, the "how" is to turn it on and let it do what it does. Why it doesn't immediatly drop to 80% is not divulged by Apple, nor is the "learning" process described anywhere in detail, but from observation of those who have it turned on, it does eventually learn the individual usage pattern so that 1) the user has full power in the battery when needed and, 2) the battery life is lengthened. If it can figure out a way to accomplish both of those goals, it will drop the charge back to 80%, but if it cannot determine a pattern to the usage, the default is to meet goal number 1, full power. I can understand that rationale. If Apple were to put goal 2 first in priority, people would whine about why the battery is only at 80% when they need it all day. Reporters would be in the press claiming that the advertised battery life is wrong because it stops at 80%, lawsuits would be filed about false claims, etc, etc, etc. So, the default is to stay at 100% unless and until it can work out a pattern to use and then try to extend the battery life a bit by dropping to 80% when it thinks it can.
Oh, on the MagSafe charger? It's an intelligent device that actually communicates with the Mac about how much power the Mac wants/needs to do the charging. Third party chargers don't do that communication. It is all part of the Apple ecosystem.
And Apple offers upgrades/updates based on how busy their servers happen to be, so some folks get the offer to update the OS sooner than others.