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It is the applicant's choice whether he/she wishes to risk a refusal based on the "modernized guidance" you refer to or follow the instructions above and ensure that there is no / minimal risk of refusal.Applying for settlement wrote:Please do not send us your application more than 28 days before you become eligible to apply. If you do, we may refuse your application with no refund of the application fee (where a fee is charged). However, you must make your application before your current permission to stay in the UK expires.
...you must not reject an application as invalid if the applicant submits it more than 28 days before they have completed the relevant qualifying period.
There is no contradiction here. The first quote refers to rejecting an application as invalid, the second refers to refusal. Not exactly the same thing.Please do not send us your application more than 28 days before you become eligible to apply. If you do, we may refuse your application ...