I got my iPhone 15 in September and have it set to 90 max. Today for the first time it went to 99
The battery should have gone up to 100% a few times already, and may have likely occurred without you noticing. This would be normal and expected no matter where you had the charge limit set for.
The reason for this is explained in multiple posts on this thread. Please take a few minutes to read them.
Charge limits.......the current "gimmick". I just saw an article on the Internet that claimed that the upper limit should be set for 72% and lower limit 26% to double battery life. That is funny.
Of course, you had to buy the "special software" to allow this and the article included a link for this.