It appears you may have unrealistic understanding of what a BMS is and does.
A BMS is a safety system. It watches for problems. If rules are violated, it cuts it off. Think "Soup Nazi" - "No Soup For You!!!"
BMS doesn't regulate anything. If you sent 200A to your battery, but the cells or BMS are only rated for 100A, the BMS doesn't throttle the incoming current to 100A, it says, "No Soup For You!" and completely cuts off all incoming current. If you ask for 200A from a 100A rated BMS/battery, you don't get regulated to 100A, you get cut off to 0A.
Voltages go too high? "No Soup For you!" - cut off all charging.
Voltages go too low? "No Soup For you!" - cut off all discharging.
I don't understand what you mean "making executive decisions." Charge controller does nothing of the sort. It charges until the battery hits 14.2V, holds that voltage until charge termination criteria are met, then it stops sending any current until the battery voltage drops to 13.5V. Once the battery drops to 13.5V, the charge controller will feed enough current to maintain 13.5V.
Your system design should work entirely within the envelope of the BMS parameters, i.e., the BMS should never have to do anything unless something goes wrong.