Although it is only 50V hot off the charger, a lot of people run 12S as an equivalent to 48V, but you are right it is less. People just do that for ease of charging. If you are already running 14S and want to keep going, then you should get a Hyperion 1420i, and a power supply unit big enough to make use of the 550w potential, and then you could balance charge your whole 14S pack as a single pack, and then you don't really need a BMS (if you are regularly balance charging). If you do a search for Hyperion 1420i, you will see a whole thread dedicated to that charger. I use it, and it is a great charger. Can charge up to 14S as one pack, and can charge up to 550w.