Agree Scottish and Finnish temperatures may be different. If I find it a problem I will fit a heating mat but in reality when I go away in the winter, which I do regularly, I heat up the van before I go on electric which will also heat the battery bay so it's not a problem.You don't live in the North or Scotland. I monitor and log all the data on a minute-by-minute basis and over the winter for a period of 90 days, my batteries were below 5C for 88 or 89 of those 90 days. Maybe some, or maybe most, folk don't need heaters in order to have a USABLE lithium setup, but I would, and most in this area and above would.
PREVENTING charging from cold is not the best solution. It just means all you can do is stop it charging and you just deplete the battery. With a heater you use that charging energy that in your setup you are throwing away to warm the battery to allow charging. A much better solution.
Does your battery not have an integral low-temp charge cutoff in the BMS anyway to prevent charging at low temps? Why do you have to add extra external circuitry to do that? I would avoid Lithium batteries that used a BMS that was missing such a fundamental function.
My battery does come with a temp cut off in the BMS. As other people have said, it's better to have a belt and braces approach. The Votronic B2B comes with a supplied temp sensor and the warranty would be invalid if I didn't use it.