There are a few threads on this issue. Here's one:
Looking at Chins or Ampere Time batteries from amazon (12v200ah models) and they both say 4s4p MAX. Why is this? How would the batteries even know if I set up for example 16 units all in parallel for a massive reserve bank? Our Lifepo4 batteries can be connected in parallels and in series...
diysolarforum.com
My opinion/preference is that if you need 48 volts, then build an actual 48 volt battery. Don't put four 12 volt batteries in series. I suspect that over time, you may find that one or more of your 12 volt batteries isn't getting charged right. The first battery in the series to hit a battery or cell high voltage limit will cause the other three batteries in the series to no longer get charged. In the short term, that's not a big deal. Long term, that could be a real problem. You will need to periodically verify that all four batteries are at similar states of charge. A battery balancer system could address this problem, but that's adding more complexity to a system.
As far as the limit on parallel connections, I don't see the problem. There was a paper put out by a BMS vendor (Orion?) that said parallel was bad, but there are many forum members that disagree with the conclusions in that paper. There are a lot of us on the forum that are running parallel batteries without any issues.