Hello David,
I decided to take another look at the testing that was done by the RC people. They finally came up with a value of under 0.5 volts difference. While there is a theoretical 5 amps of current instantly available with this difference, only around 2 amps has been actually measured, and that was with partially charged cells.
The other thing to consider is that if you are charging discharged cells, their available capacity would be near zero. I can see an issue if you hooked up 5 fully charged cells with 1 totally empty cell.
Your 0.2 volts of imbalance seems conservative, but should work well.
Tom