Thats actually a good sign: if it were the same cell(s), that would indicate that those cells were lower capacity. If a different cell(s) is running away at the top, that to me anyway, indicates that a good top balance would help.
Yes, that would be what i would use. And even then, you are just above where i charge all of my batteries (13.8V (2x = 27.6)).
I think if you charged to 27.84V you'd be very happy all around. I'd say you'd get over 95% of your battery rated capacity from this. You're in great shape. I would not top balance unless this is not sustainable after many charge/discharge cycles.
If you set your balance start voltage a little lower so that it balances earlier that might help too. Adjust, observe and adjust again until you get your best results.