If commuting, I take public transport so charge on last bit of journey before (or after work) if needed or a heavy phone day.

At home/weekends - whenever it drops and I have time.

Civil Rights Act of 1964 prohibits different treatment of insured persons on the basis of their sex in connection with pension funds. This was a supreme court ruling, so kind of linked but not quite.

https://www.jstor.org/stable/253100

Interestingly, in UK and EU it became illegal to discriminate by sex for car insurance from about 2012, without very careful use of data - which doesn’t happen. It is allowed to be linked on things like jobs though.