Matched in terms of voltage and discharge characteristics. Many of the battery guides mention the possibility of the weakest cell in an unmatched pack being improperly charged. And that that would result in shorter life for the pack or worse consequences.
Eh, sure it matters somewhat. But if you think you're getting matched cells when you buy anything with a battery pack from China you're kidding yourself. So a home made pack isn't going to be any worse off that the cheapest kit you already have. If you go to the trouble to assemble your own pack with matched cells you'll be ahead of the game, if that floats your boat.
Maybe you are right that it is a balancing charger. That would simplify things a lot. Although some of the packs have some of the cells in parallel so would have to be carefully matched.
