I just looked at my MySQL database schema details and it says:
Default collation: utf8mb4_0900_ai_ci
Default characterset: utf8mb4
These are just the MySQL 8.0 defaults. Clearly I didn't understand the difference between "collation" and "characterset". I can see that query comparisons are indeed case-insensitive, which doesn't seem to matter to my application. Although case-sensitive comparisons would be just the same as far as functionality goes.
But anyway
you should use a generic form of UTF-8 and not fash yourself beyond that.