At this point, you like to charge your batteries to 100%, no problem, you may do it as you wish.
Technology has developed quite a bit in the last 3-4 years. Balancing can be initiated at a much lower voltage (say 80% or 90% of the upper voltage cutoff point). Not every pack needs to be charged to 100% for balancing purposes. In fact, out of respect and not to initiate endless debate, I did not say it before but it is incorrect to say that balancing happens at 100%, in 99% of the devices that use low-cost passive balancing circuit, it occurs at around 95%. There are different shades of passive and active balancing as well. Not every balancing circuit is the same!
I am in regular touch with Bosch and Shimano engineers and those packs have active balancing.
Using thermistors is another common feature. Bosch even registers the max/min temperature the pack experiences and this data is available for diagnostic purposes. Shimano batteries are also very well built. They do have active balancing.
As
@Gionnirocket mentioned, if the cells in the pack are matched for internal resistance, a high-quality BMS board is used for monitoring the cell health, then the pack doesn't go out of balance. If it goes out of balance every month, then there is something wrong with the battery or it is not the right battery for that application.