yes .. totally agree there is no overcharge protection in cases of regulator failure where voltage goes way over normal. Earth-X battery's 3amp limits would be swamped probably resulting in a melted battery.
a BMS that could handle 200+amp loads would probably be bigger than the LiFePO4 battery itself. which is not to be confused with MOSFET that could be made to switch on/off 200amp under set trigger conditions. but as you pointed out earlier, more complexity = additional points of failure.