My phone does the same exact thing with 92 percent battery health. I think it’s done to get people to buy a new phone. Since I updated it has gotten worse with iOS 15.7.1 as you had mentioned. I finish charging my phone to 100 percent before bed and the phone drops to 20 percent by the time I wake up. I had iOS 13 just before and it was manageable only dropping one percent an hour without any use. There is no reason the phone should be dropping more than one percent a hour not doing anything at night.
now I also have another iPhone which I refuse to update which is running on the first factory iOS which has a battery life which is almost the same as how I got it out of the box. Only drops five percent when I am sleeping.
the issue is many aps now require the latest iOS to work or else you can’t use them. Also the web browser if you don’t update iOS you can’t load web pages. So if you are fine with a basic phone on old iOS- then no problem