jarell Battery University is only referring to the Li-on battery itself. It doesn't mention phones, which make several decisions for the user. As mentioned previously, phones stop charging long before true 100%. The manufacturer decides what the maximum voltage they want to support charging to, so even if your 'peak' voltage is 4.381V, the cell could be able to handle a voltage higher than this, meaning you aren't stressing the phone when charging it.
Depth of Discharge is definitely worth considering, and you'll trigger this more if you leave your phone between 40-80% instead of leaving it at '100%' all the time.