These systems are, alas, not usually programmed very well at all. I have heard some stories (and they are credible -- I'm typing on one of the products concerne

These systems are, alas, not usually programmed very well at all. I have heard some stories (and they are credible -- I'm typing on one of the products concerned!), but they're not the sort of thing I can repeat publicly without burning a few bridges. Suffice it to say you should assume your device's BMS is programmed to optimize charging speed (and maybe fresh-out-of-the-box capacity, not that the BMS can affect that much) and absolutely nothing else. That said, around here we charge stuff to about one-third of its capacity and leave it sitting around for years on end, and that seems to work out OK. There's only been one incident so far, and that was during active work with a soldering iron on an unprotected battery contact. (Which is, yes, insanely risky with a 30C-rated discharge cell!)