3.5V x 10A = 35W that your power supply can deliver when parallel balancing.
16 x 3.5V x 74ah = 4144 Wh
4144 Wh / 35W = 118 hours to charge if completely empty. 5 days. I think someone said about 4 days.
That's a reason for the suggestion to connect all 16 in series, with BMS, and charge to the point of (cell) high voltage disconnect.
If you have a higher wattage source, e.g. an inverter/charger, it will go much faster.
First make sure your BMS has correct settings for your cells.
At that point, with all cells near full, you can reassemble in parallel and finish off with 3.5V (or maybe 3.65V) 10A supply.
Or, leave them in series and charge each cell individually to target voltage.
If not, then you're saying just charge each up till the meter reads about 3.45 to 3.5, then stop charging.. charge the next one..etc.. until they are all settled to around 3.45 or higher. So if some are 3.44, 3.47, 3.45, etc.. that's OK?
As you say here.
But I think people normally do this to 3.65V, one time to top balance.
After that, operate system to a lower voltage. If you only balance to 3.45V, you'll have to operate system lower, because one will run away above that.
And by the way, they will "settle" lower. Charge each to a particular voltage, then after all have sat for a while, confirm they are same voltage. If any are much lower than the rest, try charging it again. Others here had that due to poor contact.
If you use skinny wires and alligator clips, it will take longer and possibly be uneven. Use heavy wires, at least 12 awg or preferably heavier, as short as possible, and with ring terminals not clips.