You should be fine to apply now, if I understand your numbers correctly.My PR card expires December 16 and I am currently 24 days out from RO so will definitely have enough at the end of 5 years with no intention to travel. With the estimated processing time is there any harm in applying now. Would my Dec 2022 and Oct 2024 and 2 NOAs be sufficient documentation to provide.
Please check - if you landed less than five years ago, do the number of days OUTSIDE Canada total less than 1095 days? If so, yes, you can apply for the PR card now.