To actually answer your question, yes, charging a battery to less than it's full charge will shorten its' life. Different battery chemistry gives some different results but as a rule, charging it to 100% and keeping it there (+/-) is best for the battery. Depending on the devices' charge circuits, it may not make a difference if you leave it plugged in (the device will not 'overcharge') but that's rare these days in consumer electronics. For those, overcharging is almost as bad as keeping it undercharged. Short cycling the charge is bad. Charge rate is a big consideration, too, but it appears like you're just going to use the devices' own charger anyway so you're stuck with however the mfgr decided to do it (likely the cheapest way).
I won't speak to the safety issue you brought up earlier.