As far as cell monitoring, for the cost of well under $100 all up it is very cheap insurance, better to be making informed decisions than not actually knowing what is going on and hoping all is well. I know the Winston cell supplier over in WA doesn't believe in cell monitoring, but he also has a 1000Ah cell with a very pregnant looking bulge in the side marked as a sample...... a rather expensive sample that a simple system that monitored cell voltages would have saved the demotion to sample class

Single cells in series are the hardest to keep balanced when using top end charging, multiple cells in parallel and these in series give much less trouble but I still would build a pack without cell monitoring, just too much money at stake. You can't measure the cell voltages in a battery built into a plastic case no matter what chemistry it is, LiFeP04 is one of the more sensitive to over voltage in regards to shortening their life cycle, if you can monitor the cell voltages I don't know of a reason why it wouldn't fitted as a safe guard.
As far as not being needed on a 12v battery.... might pay to ask those who do have them if they have ever been alerted to a cell out of safe voltage range since they have had their system up and running......
T1 Terry