Balance at full charge, the 14s charger if your pack has a bms.
Then to increase cell life, discharge again at least some right away. Its time full that damages more than a brief time full for balancing. At 3.9v, it won't balance near as accurately, even if you use a balancer you can set to that voltage. Yes, you could balance at 3.6v closer to bottom, but the main thing you want to avoid by balancing is an overcharge. That won't happen at 3.9v, so no worry about that happening.
You will lose a lot of capacity, fine if you don't need it at all, like you ride 6 miles a day and charge. A ride that short you could get away with using a lame lead battery.
I agree, if your losing 20% at the top means a deep discharge, leave only 10% or so at the top. Look into if you can turn up the 13s charger a bit, and get to 4v per cell at least.
Best way to balance IMO, is single cell charging any low charge cells. I use a cheapo RC charger for this. This will work fine if you don't have a bms, but have a balance plug on the pack.