You just made me smile, thank you.
Your 3rd point is VERY valid and something that Wikipedia and several other public blogs don't begin to address which is why there is soooo much confusion on the subject.
The first PDF beautifully states something I wasn't willing to debate because I couldn't factually back it up off the top of my head, which is why I smiled. Battery makers, in the larger voltage ranges, always match cells based on factory certification testing. Mainly because they are using self contained cells (IE double A batteries sized cells or larger) in a parallel, serial or mixed configuration for the device. Which means the the weakest link rule gets magnified greatly. On cell phone batteries, this doesn't happen however, because they tend to make much smaller cells in series due to only needing 4.2 volts max.
Your second PDF almost covers the rest of the narrative. It is really a shame though that it doesn't cover Stage 1, Stage 2 and Stage 3 charging cycles as part of its discussion on Lithium-Ion batteries. So in a sense that PDF is an "incomplete but close enough" for the topic at hand. Yes, typically the battery charging circuit carries the load balancing feature but unfortunately that isn't always the case. Sometimes the charger has the 3 stage circuit built in. And if the charger skips stage 2, then load balancing can suffer greatly.
If memory serves, cell phone charges up until 2007/8 usually carried the circuitry. 2008 saw the switch over and probably since 2010 I have seen a rapid drop off of chargers carrying the circuitry in regard to cell phones. Now non-cell phone devices is a whole different subject matter. A lot of them still carry the circuitry based on my observations.
Oh and the reason that there was a switch over where the circuitry was carried is because of USB port charging