OK, I think I understand: if I wanted to charge with a lipo charger, I should physically disconnect the series connection of both batteries in order to be able to charge them (one battery, one charger). This would be cumbersome.
Now, the second solution, a BMS. If I understand correctly, if I have say 12s in LiFePo4 (e.g. 2x6s, such as
Turnigy 4500mAh 6S2P 30C LiFePo4 Pack these are 6s not 5s like the link I posted a few days ago; also it is Turnigy, which I believe is a better brand than Zippy; and 4.5Ah is more than 4.3Ah), I could connect these 12s to a 12s BMS, and this would provide several layers of protection (LVC, HVC ...). In addition, the BMS would do the balancing automatically, so I could bulk charge with a LiFePo4 charger, which is much simpler than a LiPo charger + power supply.
In fact, if I understand correctly, usual LiFePo4 batteries such as Ping, in fact are a wrap up of cells + BMS.
So, in theory everything is clear (if what I have described is correct; if not, please correct me).
In practice, the problem is that I do not know even how to start: if I have 12s cells and a 12s BMS, what should I do? I guess I would need connectors and cell holders. But I would not know what to do. Even there is the dreaded word "soldier". Should I soldier anything? Is there a guide for dummies how to create a LiFePo4 battery out of cells and BMS?
Thanks for your help, guys / gals.