There’s nothing magic about 4.2v, other than it being a good compromise between capacity and cycle life. You could charge to a termination of 4.3v and you’d gain about 10% capacity, however, you’d lose at least half your cycle life.
You have chosen to charge to 4.1v, which drops your capacity by about 10%, but doubles your cycle life for your battery. Just do whatever tests you would normally do at 4.2v, but do them at 4.1v. As long as you’re consistent, it should be a fair indicator of the health of your cell.
The only problem I see is it might be difficult to do a proper CC-CV charge to 4.1v, using a normal lithium-ion charger. If you terminate at 4.1v as part of the CC charge phase, your cell will probably drop a few dozen millivolts, maybe closer to 4.05v. A slow charge will help prevent that.