Jerry,
Your on the right track! The "one size fits all" approach to chargers is not the way to go with Li-Po's, check out FMA's new cell pro charger and discharge protection module available soon. (at the WRAM show, I hope, I hope) Their system prevents cell imbalance , period. and the DPM warns you when 1 cell approaches cutoff, your ESC can't do that. The only downside to the DPM is it adds a little weight, probably too much for the park flyers, but then their packs don't cost what like in a .40 or .60 glow conversion, or even a 3S 2000Mah pack for my 2M sailplane[8D]
Good Luck,
Pete