A few things here:
1) Temps DO AFFECT battery charge & retention. Stats are based on Optimal Temps being 25C/77F, even a 5 degree drop will affect the batteries slightly.
2) LFP like ALL Battery chemistries has an Allowable & Working Votage ranges. LFP Allowable is 2.500 -> 3.650 but the WORKING Range is from 3.000-3.400 Volts per cell.
3) The LFP Chemistry ALWAYS SETTLES post charge, this is normal & expected. It is also relative to the depth of charge saturation.
Charge Saturation is when a battery packs reaches EndAmps, then it is considered full. As resistance increases due to charge, the amps taken reduces till EndAmps is reached, at which point charge should transition to Float to complete the soft top-off.
4) Lastly ! When charging LFP over 3.425Volts per cell, this is where they will deviate and become unbalanced. Continually pushing cells over that threshold is not doing ANY good whatsoever and depending on the Balancing Systems can in fact be detrimental.
A Standard "48V" LFP charging profile which does not push the cells out to the edges is below.
Bulk & Absorb: 55.2V for (absorb timer 45 minutes) (3.45vpc)
(some call this boost)
Equalize: OFF
Float: 55.0V (3.437vpc)
MIn Volts: 42.4V (2.650vpc)
Max Volts: 28.6 (3.575vpc)
Rebulk Voltage: 57.2V (3.200vpc)
End Amps/TailCurrent: 5.0A
BTW: When Battery Manufacturers test & certify the AH Capacity rating of the cells, this is done within the WORKING VOLTAGE RANGE. That is the 3.000-3.400 range @ 25C Temp that delivers the rated AH !