Hmm. It seems we probably would agree, we’re just talking past each other a bit.
I’ve seen charging management/protection circuits go bad slowly over time (with repeated surges) in UPS battery backup systems, which are pretty darn close to laptop charging systems.
Anyway, one way that things could fail gradually but catastrophically at the end is slight component drift. For example, I repaired one Eaton UPS where the main filter cap had been damaged such that it was sending noise into the rest of the finer circuitry. Since the damage was gradual over time, the unit appeared to work fine for a long time, but weird symptoms occurred in accelerating frequency until it blew up (luckily these are lead acid batteries, not lithium).
The filter capacitor’s capacitance and ripple had drifted over time. I soldered in a new filter capacitor but the damage that was done to the finer circuitry was permanent. The UPS was not repairable. The filter cap replacement made things better, but some of the symptoms still remained.
Note that the equipment that was attached to the UPS didn’t get damaged (at least not that I could tell). It’s kind of an analogy for the laptop situation but not quite, since the computer equipment attached to the UPS had its own protection circuitry, whereas the laptop’s innards likely would not have any protection from the battery.