There are two competeing considerations at play, and I think this is a large part of why people disagree on this, some people have a focus on longevity of the cell (loss of capacity over time), and some people have a focus on safety of the cell (not setting your house on fire).
"Float charging" if you like to call it that, having a 4.2v supply connected to a cell which is sitting at 4.2v, is perfectly safe, but it could conceivably cause an accellerated reduction in capacity (aging) over time (at least anecdotally, I don't know the actual research).
It gets worse when the "longevity" people think because it's not as good for longevity that it must be bad for safety. And the "safety" people think that because it's perfectly safe that it must be fine for longevity too. These two don't necessarily correlate!
Personally, I go for the "it's safe" position, I don't care about capacity loss.
But in any case, a TP4056 is hard pressed to maintain an amp at the best of times anyway. A P-Fet bypass to provide the load directly from a connected supply is pretty trivial. It's kinda weird that none of the chinese TP4056 boards include one, and yet for powerbanks almost universally power the load directly from a connected supply.