If the cells in the packs are connected in parallel first, and then the paralleled blocks in series, all the cells in each block are always at the same voltage, even during charging.
I have a Zivan NG1 48V SLA charger that has been "tweaked" (via a could of trim pots inside...) to max out at 18A. I have charged my 16s2p and 16s4p packs with this charger a lot, and the packs are fine. It doesn't just dump 18A into the pack until the cutoff, though. It actually has a two-stage constant current (CC) mode, before switching to the constant voltage (CV) mode to finish up. If the pack voltage is down below about what works out to 70-75% capacity, it starts charging at the max 18A rate. Once the pack voltage rises above that 70-75% point, it drops the charge current to 6A, and stays there until the cutoff voltage is hit, which I have adjusted with the trim pots to be 58.4V, which is exactly what a 16s a123/LiFe pack needs. It then switches to the CV mode, and the charge rate slowly drops off. When it gets to about .25V, the charge is basically complete, and the packs are basically as full as they are going to get. The charger, though, then goes a pulse mode, where it will hit the pack with about .25A for a few seconds, and then it waits a few, and repeats this process for awhile. After about 10 minutes of this, the green light finally comes on and a buzzer goes off. This is very similar to the 3rd phase in the AstroFlight RC chargers, which also uses a PWM-type method, instead of the more "normal" CC/CV modes that most chargers use. In any case, I think this pulse mode at the end is used by the NG1 to balance SLA cells. If I connect balancers to the packs I'm charging, it also works quite well with a123 setups.
In any case, what would be good is charger that did 20A indivdually, but with either a CC/CV profile/function, or by doing the same sort of pulsed mode the AF chargers use to "top off" the cells. Yesterday I ordered 10 of these:
https://s.p10.hostingprod.com/@www.voltphreaks.com/ssl/catalog/product_info.php?products_id=28. They are single cell LiFe chargers, good for 2A each. I am going to wire these into a set of connectors that will plug into the balancer plugs on my 20s4p packs. Using a couple of powerstrips, this will be mainly as a convenient "travel" charger. I don't know how well this would scale up to 20A, but that would be the idea.
-- Gary