BMW keeps roughly 13% of the total battery capacity unusable in order to protect against accelerated capacity degradation caused by approaching full or zero charge. The battery system is also protected by warranty to retain at least 70% "state of health" to 8 years or 100,000 miles, so BMW is quite confident that their design and engineering will keep you out of trouble. This is not the case for all EVs, with one prominent manufacturer allowing owners to tap the full capacity of their battery system, while specifically refusing to offer any capacity guarantee.
You should be fine regularly "topping off", since you will only be bringing SOC up to maximum useable, not maximum total. There is a difference. You would be wise to time your charging to complete just before you need it when you can. Lithium ion batteries don't really like sitting around for long periods of time near fully charged.