Do I want to use 18650 lithium 10 in a series of 36V, 5 in parallel to the electric car? Every one of my batteries has a protective chip circuit, okay?

5 and 10 strings, from the point of view of use is fine. It's just a little expensive. The advantages are high conversion rate and long service life. Another problem is that any one lithium battery is bad, and the other 49 lithium batteries can be disabled unless they are reconnected.