I haven't got a lot of time to comment on this now, but I'm not convinced by your arguments and I'm worried that people might read what you have written and blindly assume cold weather charging is fine for e-bike systems. An internet search on charging lithium batteries below freezing will tell you from a wide range of sources - it's generally a bad idea.
The problem is that when a Li ion battery freezes the speed at which lithium ions can diffuse through the electrolyte and intercalate within the electrode is significantly reduced and so ions tend to pile up and form metallic lithium on the outermost parts of the electrode. This is bad as it means a permanent loss of capacity, that lithium never gets released back during discharge. Also, the lithium can form dendrites that can end up piercing the separator between the electrodes causing a short and potentially a battery fire.
Some specialised prismatic cells have been designed for operation at lower temperatures, but they say if used below freezing to reduce charge rates to C1/20. I would not be happy to advise e-bike users with a blanket
"yes it's fine to charge your bike below freezing with the supplied 2 A charger". People have all sorts of different pack sizes and chargers and different BMS controls etc. I think people have to be careful and see if it is appropriate for their particular situation. Take a 4p pack made of 2.5 Ah cells, C1/20 is a lot less than what a 2 A charger would supply.
The e-bike batteries I have bought have always advised against charging below freezing.
As a minor aside...Just because the Shetlands are on a similar latitude to cold places does not mean it gets so cold in winter:
Alex Garrick Wright runs through some of our most frequently asked questions about life in Shetland during the winter, and explains that, far from it being cold, snowy and isloated, winter in Shetland is suprisingly mild - if a little breezy.
www.shetland.org