I am going to disagree with the last quoted paragraph.
The difference in storage capacity, available wattage, between 4.2 per cell and 4.0 is not a "surface charge", there is significant wattage which should be available there. A small amount, such as declining from 54.6 to 54, or 53.8 or so, is not horrible, but getting a full charge at 54.6 and declining rapidly to 52, in a fairly new pack, is a bad sign and most definitely should not be happening. A good cell charged to 4.2 should stay at that charge level for a prolonged period. Not great for cell lifetime, but any level of significant self-discharge is a bad sign.
What is a very common occurance, especially in a low-dollar or low-quality pack, is that virtually all of that decline is present in just one or two cells, and not spread evenly over ALL the cells. In fact, a decline of that order is almost certain to be limited to just a few bad cells. Those cells will drag down and impose increased "wear" on their connected parallel string. Over time it will require replacement of the entire string, not just the bad cell.
Self-discharge on that order is not good at all, will get worse fairly quickly, and can become a dangerous situation.
Another possible cause, worthy of investigation, would be a poor connection, maybe more than one, which simply will not pass the full voltage from a particular cell or string, or is making intermittant contact, making for a wonderfully variable problem to diagnose. Again, this tends to be more common in "budget" packs rather than higher quality ones.