I was under impression nominal for them is 3.7, not 3.8. Either way, two other things to consider - the charger is not 100% efficient. Since you're tracking power on the AC input side, not the same amount of power will be going to the battery pack. Then these are salvaged cells. There are specs, and there is the fact they're used.
But yeah, look up some charts for NMC cells, see where 3.5v puts you
But yeah, look up some charts for NMC cells, see where 3.5v puts you