Above 0°C shouldn’t cause additional damage beyond normal aging AFAIK. I recommend charging at room temp since it’s hard to know what the actual cell temps are. Even if we have temp sensors they might not be accurate or in the correct place. Charging near room temp offers a bit of a safety margin versus trusting the temp sensors if we want to charge at 10°C or 5°C or some low temp.
Since all the manufacturers spec charging at room temp it probably is less abusive than at lower temps but I don’t by how much if that is true.
Yes, if you are charging a pack that is at a lower temp, but you know that all cells are actually above 0°C, then a lower charging current setting can be better for the cells. But that is true for charging at any temperature.