The most important thing is that you make sure it will not charge higher then 12.6V and wil stay above 3V per cell.
For floating I think you can get away with 12.6V as well, I guess they are li-ion? Most cells are staying verry long above 12.3V when they are stored. So maybe you can set at 12.3V for safety, better check the datasheet first!
I would go for one protection circuit that is designed for 12.6V of course, no experience with protection board on each cell, it could cause problems when one kicks in protection .