From what I've read, it is rate dependent, with the battery being much less tolerant of accepting a charge when below freezing. That said, I don't really have much experience with that, and I don't know to what degree it damages the battery.
I've thought of using high power diodes and allowing full current discharge, with a resistor in series for the charge side. There would be a voltage drop though. For that reason I'm inclined to use a single resistor to limit charge/discharge.
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