"best bet is to shut. phone off at night"
Works great if you're a civil servant. Not such a good idea when you're the on-call guy and part of keeping your job is occasionally taking emergency calls in the dead of night. You might be surprised to know how many folks are *required* to be available 24x7, at least from time to time. Or even if you simply have family in another time zone, other mundane reasons why you may WANT to be accessible 24x7, at least to some folks.
You can't really make any absolute statements about chargers, because they are made in many very different ways. Sometimes a pulldown resistor is used in the cable to signal the phone that there is a particular device (the charger) attached. Sometimes the charger itself has the brains.
In the EU, there are rules about disconnecting chargers once a device is fully charged. So Samsung (idiots) tries to comply by making all of their devices wake up, light up, and chime when they are fully charged. As if I'm going to enjoy being awoken at 2AM to unplug my tablet?
But there are chargers which will stop the charge once the device has been charged (based on current drawn, I believe) and then turn back on based on different schemes. Heck, every laptop on the market probably offers the same thing, one battery charging mode that keeps the battery at 100% all the time, in case you need to bolt. And a second mode that typically allows the battery to float from 99% to 95% before it turns back on, allowing the battery to cycle fewer times for a longer service life.
There's no one solution that fits all but you can bet the $5 charger you buy at the gas station or online, is not going to have that kind of smarts.
And no matter what you do ("It was the best butter!" Lewis Carroll) a battery is still a consumable, disposable device. After two years it is time to replace it, because used or not, it has lost significant capacity. Which means time for a new phone, since the only way you know you're not buying a dangerous counterfeit is to buy it from the phone maker, and that's just too damn expensive.