Very very interesting....
I believe the bad bms cars will still be finding out what the max voltage cell is and therefore SOH correctly, as they'll charge until the first cell hits its max voltage, they are just low on total voltage as other cells are lower/out of balance. So if they hit the wanted max cell voltage it'd think it's 100% SOH still (I believe).
I just don't know about this. I'd be very surprised that it's not pretty much just worked out on voltage; from reading up on it, it is very complex to do it any other way.
Really, you're doing everything perfectly from a battery life perspective, not charging it to 100% all the time/letting it go really low, so your car battery should do better than others on similar mileage.
One thing we can be sure of, MG will obviously have set it up to not reduce the figure if they can help it to avoid getting to the warranty claim point!
How many miles have you done?
[edit] I've just noticed you've done 14,000 miles, that's less than Mark Holmes 17,000 and he's on 100% SOH.
That doesn't make sense based on your battery charge care regime?!?!?