And SunKing, thanks again for the recommendations. You did a great job explaining what happens under each of the scenarios, so I will probably try option 1 as a learning exercise but have option 2 in my back pocket as well.
I will be using a BMS, seems like a cheap insurance policy in case something else goes awry. It will have low voltage cutoff, high voltage cutout and top-end shunt-type cell balancing. I will be able to see the voltage of each of the 4 cells, so my plan is to watch it when I charge it and if there is a large cell inbalance I will stop and do a bottom balance. Bottom balancing looks really straight-forward, I am just not sure how I would do it without spending $280 on a CellPro Powerlab 8 (which seems to be how everyone does it.)
Shot of the GBS battery BMS display (on the cell voltage screen):

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