sponev Using the full range of the battery available to you wouldn't do any harm. If your peak-time use equates to 60% of your battery capacity, you've plenty of scope to play with charging up enough to not hit 4% before the start of the next off-peak window, without charging to 100% every time.
The situation for us is simpler in that our peak rate tariff is nearly 9 times the off-peak tariff rate (39.93p vs 4.5p), so there is a big incentive to ensure that there is always more battery capacity than we need to get from each charge window to the next. In the spring through to autumn, we haven't charged off-peak at all, relying on PV to charge the batteries, but this time of year, it's essential. Some days at this time of year, the PV keeps the house ticking over until dark, meaning we only put say 30% into the batteries off-peak, but over the Christmas holiday with 12 people in the house and the oven on practically all the time and two EVs to keep charged, I just resigned myself to not look at the portal or smart meter until everyone had left. Highest grid import for one day was 70kWh (55 off-peak and 15 peak). Never mind, we had a great time and it only happens once a year.