If you are using return current, its possible to adjust the absorb setpoint to compensate for wiring losses. For most vehicle type installs this is a kludge in my view. Just use appropriate wire to keep the voltage drop down. I do agree you should verify there are no excessive losses in the system, especially for DIY installs with less than professional gear and materials.
LFP will charge to the high 90s SOC on 13.6V (3.4Vpc). They will charge to 100% on 13.8V (3.45Vpc). It takes longer, and a lower return current termination setpoint is desired. Typically the reduced charge rate for the last 10% is undesirable, so voltages over 14V are used. When combined with a calibrated timer or return current termination, there is little impact on batter life from using ~14.2V. For those who want to eke out the maximum life, charging to the lower voltage is ideal.
Some BMS will not balance until the cells hit 3.6Vpc. That's just bad design. Most will start balancing any time there is a charging source, and the cells are more than ~10-25mV apart.
Keeping lithium at 100% all the time dramatically reduces its lifespan. A recent test charged some LFP cells to 100% SOC (zero return current at 14.2V). Then disconnect them, and let them sit for a whole year. IIRC capacity loss was nearly 10% in that year. This was at average ambient around 75F too!
The best approach for a daily cycled pack, is to only charge what you need. Since that's not a good solution for most, its best to charge to about 90-98% SOC via absorb voltage, and terminate with return current, a timer is fine too, just make sure to verify it once a year for accuracy. Then drop to a low float. If you look at the SOC vs open circuit votlage curve, pick a voltage around 50-75% SOC. This is typically 13.2-13.5V. This lets the charger carry most of the float loads, and the battery will be pulled down a few percent by the end of the day. This reduces stress on the electrolyte and plates, and still allows the occasional balance if needed. A well built lithium pack will not need more than 5-15 minutes at absorb to balance. Even an well used pack will not need more than an hour.
Lead also experiences capacity loss at 100% fully charged, its just that in lead sulfation at partial state of charge is much more significant. For lead batteries which spend a lot of time at float charge (backup supplies etc), the float voltage is lowered to reduce the degredation.