Yes and yes. If you hook two with bms in parallel, that's fine. If you hook one with and one without bms together parallel, then you still have to monitor the one with no bms.
Charge to the same voltage, then connect. You can disconnect and charge separately if you want. Or charge the bms equipped one, while still connected to the no bms one. The current will slowly flow into both, but pass through the bms pack first.
Two in parallel will result in a lower c rate discharge for both, which means you can wring a few more watt hours out of them combined than you could individually, and with less wear and tear on both.
This is very desirable, if your current 20 ah pack sags a lot under load. If it does not sag much now, then there will be less benefit from paralleling them, but still worth it to do so.
The only reasons not to do it, would be the voltage is different. Like one is NMC, and the other lifepo4, or one is 13s and the other 14s.
"48V" could be anything from a 12s NMC or Lipo that charges to 50v, to a 16s lifepo4 that charges to 58v. So make sure you get as close to the same type as possible, and the same cell count.