If you have a balancer I'd balance charge every time, it's no more or less effort and if a cell goes down you can overcharge the other two.
The chargers you've shown are fine as far as they go but how do you know that you are only using 80% of the batteries if you don't know how much goes back in? A charger with a display showing details would be preferable.
The chargers you've shown are fine as far as they go but how do you know that you are only using 80% of the batteries if you don't know how much goes back in? A charger with a display showing details would be preferable.

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