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Charm surgery in the Doctor's Hall states that you can go up to a maximum of 85, I started at 77 had 2 surgeries expecting to cap out at 85 but it gave me 87.  Definitely a pleasant surprise but not working as intended, just fyi.

This one is known. It’s more accurately: “raises your Cha by 5 if it is less than 85”

So the actual maximum is 89 if you start from a 4 or 9