Why cold charging needs protection
At low cell temperature, lithium ions move more slowly through the battery. Charging outside the approved range can create damaging conditions, including lithium plating on the anode in many lithium-ion cells. That is why a low-temperature charge cutoff should be treated as a protective boundary, not a target to test repeatedly.
A BMS can block charge current when the cells are too cold, but system design still matters. Solar controllers, alternator chargers, and inverter/chargers should respect the BMS signal or use their own validated temperature input. If a pack has built-in heating, the heater should warm the cells before normal charging begins, according to the manufacturer's logic.
Why discharge can continue in colder conditions
Discharging does not stress the cell in exactly the same way as charging, so many LiFePO4 batteries specify a lower minimum temperature for discharge. The tradeoff is performance: cold batteries can deliver less accessible energy, voltage may sag more under load, and a BMS may reach a low-voltage cutoff sooner.
For winter-critical loads, do not size only from a warm-weather nameplate value. Run a battery runtime calculation with conservative usable capacity, then verify actual performance at the temperatures you expect.