The optimised charging feature takes a while to adapt to your charging habits and locations where you charge your iPhone. My iPhone is being charged at home in the evening and stays connected to the charger all night.
After a while of charging it right to 100% although optimised charging has been active, the iPhone now charges up to 80% and informs me, that it will be fully charged two hours before I get up and take it off the charger.
Have a look at the related article:
About Charge Limit and Optimized Battery Charging on iPhone - Apple Support
My Apple Watch is also set to optimised charging, but since I wear it 24/7, the watch always charges up to 100% when I connect it to the charger.
The watch of a family member, which is not worn during the night, will stop charging at 80% and showing this status when put onto the charger in the evening.