LifePO4 cells are more tolerable to stress than your standard LiPo cells. Assuming the batteries voltage doesn't drop below 12.5V I honestly wouldn't worry all that much. Mind you, no lithium based battery likes the cold so as long as you don't start the bike when its below 5-10 Celsius I wouldn't worry much about getting the larger pack. The cold is where lead acid batteries become king.
4 cells in series:
Full charged voltage: 14.4V
Working Voltage 12-13.2V
Dead: 11.2V
I'd LIKE to assume Ballistic chose a technology of LiFePO4 that becomes inert if penetrated/damaged, so I wouldn't worry about fire/leaking/explosion from over cranking the battery.
Although if the warranty on the battery isn't at least 2 years (unconfirmed) I'd personally not take any risk... that just displays a lack of confidence in their product and quality control.
P.S. hobbyking is brilliant, but reviews are also important when selecting a charger (I hated recieving one that didnt meet advertised specs; was tolerably close though not worth the trouble of an exchange)
Red_Liner740 is correct about the cells only going out of balance under low capacity conditions. Assuming your stator/rectifier is keeping the battery topped off I wouldn't worry one bit.... you can get away with never balancing it, otherwise they'll have a swarm of complaints for not advertising it was mandatory.