I called back. The officer/representative I spoke with put me on hold and then came back and said I do not need my PR card for the test. She said that during the virtual oath, they do ask you to cut your card. She told me to explain to the officer that I don't have a PR card (assuming I get invited to the oath and assuming I don't have my replacement PR card by then).
I asked her if she meant that I should write in advance if/when I get an oath invite, and explain I don't have a card. She told me I "could" do that, or I could just tell them at the oath ceremony that I don't have my card because it was lost and I was still waiting to get the replacement. Is it just me or does that second option sounds really sketchy? I would not want to be unprepared for an oath ceremony. Well, hopefully things will work out. Back to waiting