The internal cells of LiFePO4 have a voltage range, generally reaching up to 110% of the working voltage (nominal voltage). So don’t worry if it doesn’t exceed 110%. For example, if the nominal voltage is 3.2V, you can charge it to 3.2 * 110% = 3.52V, and so on.
As for your mention of connecting IN4001, you can try this if the charging voltage hasn’t reached 110% of the nominal voltage marked on the cell. If the charger voltage itself hasn’t reached 3.52V, you don’t need to add 3.2V either.
You can check the voltage and current conditions during charging of the LiFePO4 chemical substance. You can refer to the following pictures. Hope this helps you. If not, please let others discuss and help.
