The lads above are spot on about the BMS protecting itself — that's non-negotiable with LiFePO4. But here's what actually works:
Passive heating is your cheapest start. Wrap the battery box in reflective bubble wrap and a bit of rockwool. Sounds daft but genuinely keeps ambient heat in. I've had decent results just insulating the hell out of the battery compartment on my van.
Active heating — if you're serious, a low-watt immersion heater (200-500W) with a thermostat costs about £30-50 and solves the charging lockout. Wire it so it only fires when the battery hits, say, 2°C. Your BMS will let you charge once temps creep up.
Real talk though: if you're parked up properly for winter, a small diesel heater running off your main tank does more for battery health than anything else because it warms the whole rig. Kills two birds.
The capacity drop below 5°C is chemistry — can't fix it. But you can work around it. What's your current draw like in winter? That changes whether passive heating's enough for you.