If you spend a while on this forum, it should become apparent that d8veh is one of the worlds most knowledgeable and experienced electric bike builders. Yes, he can be blunt and sometimes even a little rude. He's not always right (we're all still learning 'till the day we die, after all), but he knows of what he speaks on this occasion.
From your latest post #33, I can see that you haven't had a chance to digest what has been said previously.
Cell degradation tends to happen over time. It's not charging to 4.2v per se that damages li-ion cells, but the amount of time that the cells spend at the voltage. Charging to 4.2v just before you use the battery will not be detrimental to the cells.
Undercharging can be of benefit to unprotected cells, or a battery with a BMS that has its full charge voltage set to a lesser value.
The problem comes where you undercharge a battery when its BMS is expecting a higher voltage. What results is that the BMS never gets the opportunity to balance the pack, cell charges become mismatched, pack capacity drops like a stone and eventually the pack will die due to a number of over discharged cells. The alternative scenario is that cells become overcharged due to not being balanced and you end up with a 'thermal event' that can end up in disaster, but you appear to already be aware of this possibility. This is what was meant when d8 mentioned that "balancing will be compromised" and "information taken out of context".