Lthium charged with mppt controler

Gde, seems we are mostly in agreement. There is no BS here. Not sure why you don't understand that a different chemistry can have different characteristics. LiFePo4 is an order of magnitude safer than LiCo. That's just a fact. If you choose not to accept it, that doesn't make the battery any less safe.

The reason EV folks did not experience any "fires" was for the fact that EACH INDIVIDUAL Lithium cell HAS a BMS CHIP BUILT INTO IT.

Incorrect! Didn't see this before. The EV guys build their own battery packs (hence DIY EV). They take the raw cells, strap them together, and connect a BMS of their choice. Some don't even use BMS's. Those tests were done without BMS's connected. They didn't catch fire (so scary that fire word) because they're simply not as energy dense as LiCo.