The primary reason manufacturers make this restriction is because the MOSFETs they use have a low reverse-blocking voltage rating (because they are cheaper, and have slightly less on-resistance compared to higher voltage spec’d MOSFETs). When you have say 4 units in series, one of the four BMS...
I’ve used the Ryobi One+ system since the days of the blue tools / yellow NiCad batteries.
I’m well familiar with the problem you describe. I’ve inspected dozens of the various Lithium protection boards and despite seemingly complex circuitry, I’ve never once seen any evidence of any balancing...