In my opinion it's too much unknown to even try to guess, no manufacturer would want or desire to place this load on the customer.
It would make the product unappealing, let alone hard to manage.
As would a battery that could simply not easily balance itself and thus lead to a duff pack by self damage, the battery manufacturer nor MG would want this.
The absence of process here tells me that the systems that are at play are doing the balancing, I think it's wise to once in a while for a long trip get it up to 100% and do that with some time to spare so any 'balance' can take place, but not too much before end of charge (2 hours maybe). That's it...
20-80% cycles all other times. The ZS, the MG4 would show duff batteries if something wasn't right. I've not seen any stats that battery returns are higher overall for MG, if anything they appear good
It sure is appealing to want to understand what's it's doing so I see why it's very interesting discussion and I like reading these threads too

, but I have solar and I can see what it's doing on the inverter stats, it mirrors my solar cells largely. Sometimes it does a little longer 'balance' or tail charge as I call it. Most times it caps out pretty quick, tails off the charge rate (probably a small balance charge going on) but it's not going anything complex, it doesn't vary much from one 100% charge to the next.
When a pack is older, maybe it'll spend longer doing it's maintenance? My solar batts have done that in cold weather and as they have aged a little, but overall the lack of process tells me, it's software managed and nothing much we can do as end users is doing anything to change what it 'wants or needs' to do.
Battery chemistry and process is a complex thing and I respect those who spend the time to figure it out, it sure does interest me too and I see why it's of interest, but as an end user at the end of the day I want my vehicle to self manage this

I really do, and I'm happy that it does!
100% every often
20-80% most of the time (you know, all the good guidance stuff).