I truly appreciate youall's support, now that I can talk about it without going into a panic.
Fire alarms are good, should have had another in the garage. Have one close to where you charge. If you missed it in my long story, we were out of the house before mine went off, because the pack going off like firecrackers woke my wife. Near my fireplace, where I charge in winter, I had a second fire alarm. Another near the bedrooms. We got out before they went off.
What really saved my house though, besides living just about next door to the fire station, was the double fire wall in the garage. In a way, the garage itself was a bunker. The stuff in the garage really does not matter, our lives did. Double what code calls for gave us a ton of time to go get the dogs out of the house. I never thought they would want to go back in once out. Instead of hiding in the back yard, they wanted to hide under the bed. By that time, both fire alarms were shrieking. If you own your house, look into improving the firewall between garage and the house. I had one in the attic, and the sheetrock ceiling in the garage was the second one.
Bear in mind,, I really won the reverse lotto having a battery burn my garage down. Lipo belongs in a bunker, but a bms protected lithium manganese cobalt oxide shouldn't have to be bunkered. I'm all for taking some easy precautions, but leaving the battery on the bike and charging in the garage was very nice when the garage was not too hot.
But again,, I won the bad luck lotto here. It's not going too happen to each of us. That pack was fine, showing no symptoms of going low capacity, never discharged at high rate, never crashed or dropped. It simply had no reason to go off, even if it had been charging on a dumb power supply. Obviously something failed of course, but the usual result is not a fire, just a pack that shuts off in a half mile.
Just saying, be careful, but don't freak out and let the worry ruin your life. As for me,, well,big batteries won't come into my house or garage anymore. But I will still have a stack of lithium packs for my power tools laying around in there.
But they charge outside now.