No specific need to run anything to 3.650 (top). If all cells stay under 3.65v as the battery is run up to 27.6 you are good to go. The BMS or an active balancer can take it from there.Sorry, I forgot to mention I am going to run a 8s 24v setup. I'm not sure what you mean by "running to the top....etc."
Yes if you do have a runner, the top cell can be bled down or the battery charging voltage can be reduced. Please post how it goes.