Had this exact scenario play out on my static caravan setup last winter — LiFePO4 bank (non-smart, no comms) hit low temp cutoff on a particularly grim February morning, BMS disconnected the load side, and I sat there wondering if my Victron SmartSolar 250/70 was about to have a meltdown.
Short answer: it didn't. Carried on like nothing happened.
Longer answer: when the BMS opens that circuit, the MPPT essentially loses its output path. Victron's protection circuitry is decent enough that it just sees a high-voltage open circuit and throttles back — it's not like dumping current into a wall. The panel voltage climbs a bit, controller detects no absorption happening, sits in a kind of confused float limbo until the battery warms up and the BMS reconnects.
What I would worry about though is repeated thermal cycling causing the controller to log fault states, and whether your battery actually warms up fast enough in a UK winter to stop you losing a full day of marginal December solar. Spoiler: it doesn't.
Without a comms cable you're flying blind — the Victron has no idea why the battery disconnected, just that it did. A Cerbo GX with temperature sensor on the battery would at least give you visibility, even if it can't do anything about it.
Anyone else running non-smart cells in cold climates found a workaround that doesn't involve buying Pylontech and starting again? Asking for my increasingly-expensive-to-heat caravan. 🙄