I might be interpreting what you wrote incorrectly.
BMW does not change battery cells in packs. They're all the same.
In i3 battery packs, 60 Ah, 94 Ah, and 120 Ah battery cells are all different in capacity but are the same physical size, so these cells are not the same. All 96 cells are connected in series which results in a nominal 400 V pack.
Battery packs that have cells connected in both series and parallel can increase the number of parallel-connected cells to increase the pack capacity using more of the same cells.
But larger capacity packs have more banks of cells in series, than smaller packs.
The more cell banks, the higher amp flow they can handle.
I assume that a "bank of cells" is comprised of cells connected in series. Connecting more of these banks in parallel increases the pack capacity while keeping the nominal output voltage unchanged. A pack with more cell banks connected in parallel has a higher maximum input and output current.
All i3 battery packs regardless of their capacities contain 96 cells connected in series. Twelve of these cells are installed in each of 8 replaceable modules. In i3 battery packs, no cells are connected in parallel. Different i3 pack capacities are due to using cells of different capacity cells, not increasing the number of cells or connecting more cells in parallel.
Should two of three banks have one bad cell in it, the whole bank will be limited to the amp flow of that one cell. If they can handle 50A per bank, for a total of 150A but one cell causes a 25A drop per bank, the overall amps 3 banks now can handle will go from 150A to 100A.
Such an occurrence isn't that uncommon.
Your statement is correct for series-connected cell strings ("banks") connected in parallel.
Of course, i3 battery has more banks than that.
Your statement doesn't apply to i3 battery packs because they contain only a single "bank" of 96 cells. You might be confusing the i3 battery pack structure of 8 12-cell modules assuming that the modules are connected in parallel when they are actually connected in series. A module is the smallest replaceable battery pack component, but these modules aren't used to construct packs of different capacities by connecting more of them in parallel.
The highest energy flow comes from regen braking. So while you may not notice a decrease in acceleration, the first way to know if some banks have gone bad, is lower regen capabilities.
From BMW's
I01 High-Voltage Components Training Manual:
"The maximum power applies for the motor operation – in theory it could also be used in the alternator
operation during brake energy regeneration. However, in practice only a fractional part of this maximum value is used in alternator operation. As a result, the braking torque at the rear axle is restricted so as not to affect the driving stability by the brake energy regeneration."
So for the i3, the greatest power is produced during acceleration, not during regen braking. Therefore, a weak cell would likely be more noticeable during acceleration, not during regen braking.