Here is a link with some more info ("Battery University"):
Charging Lithium-Ion Batteries
The behavior I described in this thread is shown on the right side of figure 1 of the link above, described as "topping charge". It assures the batery is at highest-possible state of charge when you remove it from the charger, at the expense (imo) of long-term battery life. It is a tradeoff, consumer electronics favor max short-term battery life over long-term battery life. As battery ages (long-term degradation), the amount of charge the battery can hold decreases and we'll need to recharge more frequently.
One thing that may help somewhat is to turn the phone completely off if your are going to charge it overnight. That's probably a reasonable approach. However I'm not convinced that will eliminate topping charge (voltage can drop as the battery comes to equilibrium after charging, even when no current is drawn from the battery).
If one really wanted to maximize long-term battery life, we shouldn't even charge to 100% and certainly shouldn't leave it on the charger at 100%. But spending extra energy to manually manage your battery during daily charging is probably not worth the time.... considering battery has a pretty good chance to last 2 years at which time it'll be time for a new phone anyway.
Also, I have noticed that using your phone while charging causes the battery temperauter to go way up, which also ages the battery. If we elect to charge during our personal awake hours to avoid charing overnight... it could defeat the purpose if we use the phone heavily while charging... might as well stick with the easy approach and charge overnight.
In an ideal world, the phone or charger would allow us to program the charging ourselves so we could leave it on overnight and program to terminate charing at some voltage <100% (like 95%) and/or disable topping. That way we could impose our own preferences for the tradeoff of short-term daily life vs long-term aging. Such capability does not exist to my knowledge (if anyone knows of it, let me know).