We all have our opinions; personally I prefer the idea of cycling 50% of battery capacity to maximize self-consumption and minimize peak export. It helps you be a good neighbor (lower transformer loading, increased probability that all solar is consumed in your neighborhood) and in the process keep the utility on their toes on how to screw you over on the next tariff change.This is my thinking also. If you have net metering and no TOU, no reason to use the batteries at all unless the grid is down. Any ‘savings’ by discharging the battery are negated by having to use PV to recharge is the next day anyway, so your ‘net’ is the same. BUT you lost efficiency due to losses in charging/discharging and conversion.
TOU is one set of challenges... but there are actually worse schemes for solar+battery that the Utility can do (even worse than California's NEM3).