Premature application risk: applying before 28-day window but delaying biometrics to decision date?

[Confused_ILR]

My situation is almost identical to the a previous case (possible-decision-date-to-aim-for-ilr-a ... 58571.html)

BRP issue date: 1 July 2021
Vignette / grant letter: 15 July 2021
Current leave expires: 13 June 2026
Route: Skilled Worker dependant (SET(O))

My plan is to submit online ~12 June (in-time for 3C leave) and delay biometrics so the decision lands on or after 15 July 2026.
Under the BRP reading (1 July start), applying 12 June is 19 days before completion — cleanly within the 28-day window. But under the vignette reading (15 July start), applying 12 June is 33 days early — 5 days before the window opens. The GOV.UK guidance states: "Your application may be refused if you apply earlier."
My understanding from CR 1.1 is that the decision date is a valid anchor regardless of when I applied — and per your previous advice, "the date of ILR application is largely irrelevant." Does the "may be refused" guidance override the decision-date limb in practice? And is deliberately delaying biometrics to manage the decision date an accepted approach?
Thank you