BTW
@amberwolf do you consider $150 BMS to be too cheap to be usable? Or too expensive to risk destroying it when connecting? I'd say it's quite expensive - $15 is the cheap one.
Generally I'd guess that a $150 BMS is *probably* good, but that depends on the design of it's power-control system (FETs or contactor) and whether it can reliably disconnect cells from a load under every condition that could occur, in all the various system designs it might be used in, and the firmware design that determines when that power control system is activated.
But I expect that the device referred to by the OP as "$150 bare bones blue 48/20 off of Amazon" is a 48v 20Ah

lol

blue-heatshrinked battery from one of the many firebomb-special companies that build the things out of assorted forms of garbage cells, rather than a BMS.
As we've seen here in various threads, they can be bulit from grade-z "new" cells, recycled garbage scrapped "new" cells, or even random salvaged cells from discarded damaged / worn out batteries of all kinds. Sometimes they spend the money to rewrap and recap them to hide what htey are, sometimes they dont' even bother with anything more than the blue main pack covering.
They may even include a BMS with a balance function to keep the thing operational for a few cycles (assuming it gets left on the charger long enough, which could be days or weeks for the not very good ones...but I would guess most of them don't have even that, so they cannot rebalance and get worse and worse every cycle. The worst ones don't even have a functional BMS (broken, defective, incorrect design or wiring / assembly, etc), and so don't have protection against overcharging or overdischarging the worst cells in there, and those are the worst risk of fire.