using laptops as a forever-plugged-in device (regardless if workstation or server) isn’t the greatest idea. as an intermediary solution, like until you have something more permanent in place, sure. otherwise, look elsewhere.
limiting battery charge isn’t available on all laptop models and is aimed at preserving the battery’s functionality; it doesn’t solve the issue of a forever charged and never emptied battery. on the other hand, removing the battery on a lot of models limits their performance, significantly.
what is a viable solution is if you get a laptop board that runs at full power without battery, you can remove the board from the laptop, retrofit it with better cooling and additional storage (mini-PCI or M.2 to SATA adapters) and you end up with an energy-efficient server. but that requires a lot of work and is not something recommended for non-enthusiasts.
in short, sell it or swap it for something more adequate.
all Apple devices are part of a covert peer-to-peer network and its primary purpose is to facilitate the Airtags and find-my-shit apps. it runs on desktops, laptops, phones, ipads, watches, etc., including when they’re supposedly off. you can’t turn it off or opt out of it and what that crap additionally does and how secure it is is unknown.
having said that, if you run linux on an old intel-based macbook or similar (say, up to 2015 models) you’re out of that racket and similarly all Apple or iCloud based crap. they do have a permanently enabled IME but that’s true for the majority of devices sold and, dependent on your threat model, isn’t an issue per se.
not sure about the “credit card” angle as you can’t buy a new Apple device that runs linux, the asahi mess is limited to M1/2 models which are like 5 years old at this point.