(assuming the relationships are linear)
They aren't normally. They might be, but in general the gradual battery decline is not linear. We see posts all the time from users asking why their Max Cap dropped 1-2% in a given month.
4 years are required to degrade the battery to 80% of its full capacity....and to loose (lose) the peak performance.
Are you saying that peak performance will remain constant for 4 years? It won't. You may likely notice that things are not the same by the 3rd year and change even more during the 4th year. Battery charging may take longer and battery charge may be depleted faster as the battery declines. Or, it might not.
No one has a crystal ball that is good enough to predict the future accurately.
Regarding Charge Limits, Personally, I think they are more of a gimmick than anything else, but that might be another discussion.
Somehow, things were just fine for 15+ years without them before Apple added them with the introduction of the iPhone 15 and iPhone 16. If Charge Limits were really all that important, you might wonder why the simple software was not included for all iPhones that could run iOS 18.....not just the iPhone 15 and 16.
It's not hard to figure out the reasoning on that one.