I actually said the following will harm them:
1. charge any cell to above the 3.60 volt maximum. 3.55V is fine. They will live a long life. 3.65v is going to shorten cells life quite drastically. During charge, the charger or charging / cell balance system should NEVER allow an individual cell to exceed 3.60 volts on a LiFe cell for long service life. A typical generic BMS setup does this repeatedly for hours or days at a time.
Accurately at 3.60V and terminate soon, is fine. A BMS bounces the cell over this, regularly for many hours due to weak balance circuits and no ability to control charger power other than on/off.
YOU CAN STOP READING HERE! Or not...
Lithium likes to be at the middle. 50% charged. Thats where it lives the longest. Empty or below 30% is said to be worse. Stored a long time it needs to be below 70% charged. In the same way that lead likes to be 100% full. The highest or lowest voltages are where the cell damage occurs fastest. Theres no set fixed
point.
Charging to the manufacturers recommended 3.650V is a little high. They say this is the best voltage mostly because a BMS has a very weak balance circuit of 50 to 100mA usually. So charging to a voltage higher than the cells 100% full level means a small amount of
self balancing takes place to help. Cells dont like being this high voltage. Its like breathing in, really deeply and holding your breath!
So why recommend it? Most dumb users packs die from imbalance due to crappy BMS and uneven self discharge. Charging to too high voltage balances cells, by overcharging all. So they get less back under warranty. Manufacturer sees a lot of cells returned because a pack gets out of balance and eventually one group gets overcharged too much or because of a low group, one set runs below the safe point in use regularly and dies.
Think of it like this. Each cell can only hold so much power. Like a brick soaks up water. Once that cell has soaked up as much electricity as it can possibly hold then all the rest just goes to waste. The waste, just causes damage (actually it causes lithium plating internally and ruins the cell over time).
So you can either use accurate but slightly lower voltages and a really good powerful cell balancer and clever charger that throttles its power to make sure each one is equally full without any overcharge. To 95 to 99.9 percent. -- Or, you can just keep pouring power in power above the full level, until all end up full regardless. Cells all end up full, so they
self balance to a small degree... The first way is what happens when you use a good charger. The second way is what 3.65V (+/- 0.05V) does with a typical BMS.
So actual voltages...
Your cells will end up charged to 99.99 percent Even if charged at 3.500 volts for long enough, but balancing would require a very long time. And so a termination point of say 1000thCwould be needed. And holding them at 3.500V for extended periods while the balance happens. So only use this if your charger never terminates, like the Hyperion if you have a lot of time.
3.550V Is faster, and they also end up full and is OK for a good, relatively new pack, and balance happens pretty fast with a PL8 but quite slow with the old Hyperion as its balance current is 3x less than the PL8 (still 3 to 6x more than a BMS). I use this, as its adequate for a very healthy pack. It theoretically should be better than 3.600V for longevity. Its a compromise. (Your lead/add-on pack uses this too. Its set to 3.525 I think. 28.200V. To be nice to the lead, and to not damage the lithium over long periods as the slow termination charges the lead properly).
3.600V is OK too - still lower than the 3.650V advised by the manufacturer. And so the cell isn't overcharged. But balance is faster, and stays balanced better on a less than perfect or older pack and charging is faster to end.
So you take your choice! I would use 3.550 for a new pack and if not in a hurry. 3.600 for most packs and for any user not watching a screen to see what is happening. And even 3.650V on the odd occasion that cells were uneven slightly to be sure every group was full. Then revert back to 3.550.
Its import and to note that balance will be slightly
different at each voltage. So the first charge after changing it may look odd as some minor re-balancing will occur...