I use my phone as Sat Nav in the car while on charge reasonably frequently - a couple of times a week for a 30/40 minute journey and a couple of times a month for a 2/3 hour journey. And I've been doing it with this phone for about 18months with no noticeable battery degradation.
So I'd guess it depends how much/often you intend to you it as to how much it actually matters.
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