This is why we shouldn't recommend the practice of undercharging in this context.
Which is something I agree with;
and would never do. And certainly never did!
I mentioned in passing, that I prefer to undercharge. And the D8 rushed in frothing at the mouth; and you joined the bandwagon.
You cannot have a discussion with D8. You either take his edict unquestioningly; or he tries to use his forum weight to put you in your place. His way or the highway, to coin a phrase.
And as for your intervention given:
I'm pretty sure they do 'top balance' though, although I'm not totally certain.
You cannot 'Top Balance', if you are not at the top. Full stop.
Another possibility is 'active balancing' that constantly occurs throughout the charge range, although now I'm just speculating.
In order to 'balance' at a point other than the top or bottom, you need to know capacity -- per cell or per parallel group capacity -- and then coulomb count.
To know capacity, you have to start -- preferably from new -- by bottom balancing.
Only then, by having a known starting point, and
by counting them in, counting them back out again, can you distinguish between cells that reach a higher voltage earlier because of a naturally higher IR -- they vary slightly even with the same batch -- and a one that is getting there early because it is loosing capacity due to any one of several forms of damage.
If you know the individual cell(group) starting capacities, then you can do a from of balancing called 'predictive balancing'; but that requires accurate coulomb counting and substantial MCU & memory resources.
No bike battery comes with a BMS capable of this.
To reiterate:
At no point have I, nor would I, ever advocate, recommend or otherwise influence anyone to undercharge.
But be aware: Many pre-built e-bike battery pack come with BMSs that either do
no balancing; or the very simplest -- and long discredited in academic papers and professional companies -- of top balancing based upon OCV leveling. (As opposed to SoC leveling.)
The problem with that is that bad cells achieve HVC first, you then drain them back and pack charge again. Again they see HCV first. Rinse & repeat. The upshot is that the worst cell in your string spend longest at HVC, and effectively received a disparately high number of charge cycles. The net result is that top balancing based solely upon OCV ends up exacerbating the weakest cell (group) and thus accelerating the demise of the entire pack.