There are saddle-pack balance leads "out there" (basically they replace the link wire with one that has a balance lead included). You could probably wire one up yourself if you can't find one on a shop shelf.
If you were to choose to charge the saddles individually, just charge them as if they were 1s packs of the full capacity. So 5.2A in your case on the 1s setting.
I think most people just charge them as a pack, although I agree with you that using the balance lead is a safety precaution that is well worth taking.
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