lols,,,
we should read as well that "Step 3" as it says-
"We recommend you pay the
right of permanent residence fee (CAN$490)
now to avoid future delays. You will have to pay it before you become a permanent resident."
what we are focusing here is NOT to delay our application.. So if we have money to pay for RPRF which is refundable (in case our application has been refused or denied), , I do suggest to do pay it.. more than this, its your opinion...
OVERALL, I suggest to complete the checklist of documents before sending the package...