I don't have Li and never will, but your post should be a good lesson for those who are looking at Li just because they can afford it.
If they are not also "hands on" kind of guys that like to keep track of things closely and get the necessary monitors etc needed, they will come to grief.
I wonder if the people who "cycle" their Li as you describe instead of floating them, believe they need "exercising" like other types of batteries do at times to keep them from going bad. I don't have a clue about Li
I certainly agree about the value of adjustable voltage chargers! I have been in that camp for a while now.
Thanks for taking the time to post all that interesting and valuable information.