Save money now and get a charger that works better for what you do.
Store at 3.8V for the best life.
The issue with storing below that for any duration is the batteries lose charge over time and if they drop too low, they may not recover and even if they did, your charger may not allow you to charge them because it will assume the cells are bad/faulty. When storing them at full charge, it affects them differently. It builds up the internal resistance (IR). IR is effectively "wear". As batteries age, their IR goes up. This limits the capacity, run time, and current flow. So they store less and feel weak and run hot.
None of my trucks are set to stop at 3.8V. Thats 1/3 of the run time. I suppose I could buy more packs and get less wheel time, but I don't, They all run down to 3.4V which is still safe, but too low to not charge them back up to storage. After every run, I either discharge down to storage, or charge back up to storage. I never let them sit for more than a few hours charged or discharged. It's just a habit now.