J1m sorry for not getting back to you sooner, haven't been on for quite a while.
I flit between the 2 really. Currently I'm charging to 100% at full beans at every opportunity due to a very hungry ASHP, although I still have the export schedules set in case I overcook it. Smart charging takes precedence over user schedules, so there's no conflict.
In autumn/spring, I'm aiming to leave maybe 10% spare in the batteries to mop up any clipping from the solar (7.6kW array, 5kW hybrid inverter) which would otherwise be completely lost.
It doesn't always work, and I do wonder if it's worth the effort, but I hate to think of that solar is going to waste.