Battery Health does not decline in a linear fashion. The battery might go for 3 months and not drop at all, then drop 3% the next month.
Over longer time periods, Battery Health will decline at an average of about 1% a month.
How old is your phone? If the Battery Health is now 95%, this indicates that your phone is likely about 5-6 months old. If your phone is older than 6 months, you are doing better than average.
While it is a good idea to let the battery charge go much below 20%, my opinion is that 80% charge limit is a hurting your battery more than it is helping it. You have to charge the battery more often with an 80% limit and the extra charges may actually result in more stress on the battery.
I get better results by setting the battery on Optimized Battery Charging and connecting the phone to the power supply at night and leaving it connected all night.....every night. The phone starts each day at 100% and usually makes it all the way through the day.
If you are concerned about the battery, you can have it tested at the Apple Store or at an authorized Apple service shop at no charge. But, I think they will tell you that your battery is doing just fine.