well.. if you solder the packs together that'd be a problem
if you use a a splitter with proper connectors
you can swap and charge individual packs no problem
the individual BMS can be the problem here btw..
say one BMS shuts down because of a full pack
the charger sees that as an increase in current demand
usually upping the voltage
.. if set to 18A limit for example that current is now split to 3 packs
and each pack could draw 6 amps (too much already)
and if the BMS are not limiting to 5amps, then the remaining batpacks will overheat and maybe die.
if the BMS has a over current or voltage protection for the charging phase they
might switch off before the battery is actually fully charged and you will have the false assumption the batpack is dead.
So yeah, combining batteries is not always a good idea
A smart charger with multiple ports
can charge all batpacks at the same time,
while reading and evaluating all individual BMS responses.
So no such nasty errors can occure as easily.
'sid