Those are recommendations from the manufacturer in terms of ideals. If you are willing to sacrifice battery life there is no reason why you can't charge at 1C or higher.
The most important reason to not charge at high rate is the risk of
.
Many battery datasheets do list a standard/recommended charge rate and a fast charge rate, the short form Panasonic data sheets does only list one charge rate and calls it maximum. This might be correct or not. My guess is not, but I will not recommend using much higher charge rate without a datasheet saying it is allowed.
You are absolutely right you can definitely mistreat your batteries, but you can also prolong their life by creating better charging profiles that are specific to individual batteries and capacities. Instead of trying to fit everything into a one size fits all. Remember versatility on its own is neutral it's how you utilize it is whether it becomes positive or a negative.
I do like hobby chargers and often use them, but for daily use a fixed rate cradle charge is much easier. My most used chargers at the current time is the Xtar VP1 and the Soshine S1-max.
Remember you get what you pay for. And the $30 Chargers don't last that long. You know what I am talking about since you have some pretty expensive equipment.
I had a cheap hobby charger at it lasted a long time, but then the background light for the LCD quit.
My general opinion is that a $30 hobby charger is better than no hobby charger, it might not be precise, but you can still get a good estimate of battery capacity.
And yes, I have a thing for good equipment.
And don't forget there is no such thing as a $30 hobby charger because of all the extras that you need to get. So that cheap hobby charger now becomes at least a $50 hobby charger.
That depends on how good you are with DIY, cheap hobby chargers can usual be supplied from a car battery or a laptop power supply and you can use magnets for battery connection.
I do prefer much better than that, as can be seen on some of my photos, but it is not needed to get working solution.