lipo cut-off has got nothing to do with fire

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when running lipo 3200 and 13.5BL, i can run up to 20 mins and only use 2500~2800 mah.
as i never use any pack beyond 20 mins, there is no need for lipo cut-off?
also, when practicing, i swop between lipos and old 3800 IBs which i run until they totally dump, i wouldn't want the cut-off to kick in prematurely.