Thanks for the great answer fechter.
I was thinking of making a charger - more out of curiosity than necessity (and not for my pack) - using that circuit sans any sort of BMS. The idea being that pulsed input would be provided to each cell independently, and the charger would "fly through" the pack using... ahem... mechanical switching relays (it is a bad boy, right?). Each cell would receive, say, 10 seconds at 10 A, then the relays would switch to the next cell (a123s). A timeout would stop the whole process, and would be set such that the amps flowing would be minimal at that point.
All the balancing would thus be done on the charge side of things, with the controller handling low voltage cutoff, probably set a touch higher than normal.
Do you, or anyone else here, think that this idea would work? Dangers aside, would it be able to charge as many cells at an arbitrary amperage as there are relays?
Thanks for exercising your neurons! Maybe this could be as cheap and dirty a solution as possible - that works.