I'd second the master switch on the main P+, vs using the BMS to cut power. If the BMS FETs fail for any reason, it's typically a silent failure, meaning they are stuck "on", and can't shut off, so you don't even know this has happened...unless you have a situation that requires you to use the BMS to cut power and it doesn't.... At that point, your next option is to unplug the battery from the system to shut it off....
If you have a master switch, then it doesn't require unplugging, just turn the switch off.
As long as you are using the switch *only* when not under load, you can use one that is not rated for the full votlage of the system (as long as it is rated for higher current than you will ever draw). I use a cheapo automotive battery disconnect switch on SB Cruiser for this purpose--it's only rated for 12-24v (which, being automotive, means 13-30v, effectively), and the SBC is a 52v nominal (57v max) system, so it's not safe to switch off under load (while riding), as it might arc and weld the contacts closed and be unable to turn off, or continue to arc and heat and cause a fire. But it's safe enough to switch on or off when not under any load (parked).
BlueSea has been said to make better switches rated for higher voltages, if your budget permits.
https://www.bluesea.com/products/category/11/Manual_Battery_Switches
though I have not used them
The cheapo type switch is probably not much more than ten bucks, or less. Examples:
https://www.google.com/search?q=ebay+battery+cutoff+switch
That said....if your "thermistor" is actually one of these (either metal or ceramic):
![614ExvsJgaL._SL1000_[1].jpg 614ExvsJgaL._SL1000_[1].jpg](https://endless-sphere.com/sphere/data/attachments/189/189893-4e46df8fc5374e388092594e936f3b97.jpg)
Then it is not a temperature sensor, but rather a thermal switch that resets itself when cooled enough. These are either high resistance or open circuit when below the labelled cutoff temperature, but above that they trip and short together, or they are normally shorted and open when above cutoff temp. (easy to tell which if not labelled as NC or NO, by measuring).
The topic has come up before, so there's some more detailed explanations here in various threads about BMS switches.