The gist of things have been covered in the responses above.
Some clarifications are in order, however, as much for any others reading these threads as for you, as much about explaining the underlying elements affecting how PR card applications are processed.
Overall there appears to be no risk a PR card application will be denied based on non-compliance with the RO (unless you leave Canada in the meantime), but there is a significant risk your PR card application will be subject to non-routine processing, and thus subject to a longer processing timeline. Probably not much you can do, now, to influence how it goes. Unlike others, I doubt waiting weeks or even a few months will make much difference.
Explanation; the Long Read:
So, for example, to my view
it does not matter much if you apply for the PR card tomorrow or wait until December. How apparently well settled, permanently settled in Canada, you currently appear to be, that is likely to have far, far more influence in whether your PR card application is subject to non-routine processing, and thus takes longer (potentially up to a year longer) than routinely processed applications.
I disagree some with the observation that if you apply for a new PR card prior to being physically present in Canada at least 730 days since landing that will or even could lead to the loss of your PR status . . . unless:
-- you have been outside Canada more than 1095 days since the date of landing, or
-- you leave Canada in the meantime, or
-- you apply for a new PR card after the fifth year anniversary of the date you landed, and when you apply you have not been in Canada at least 730 days within the previous five years (as of that date, the date of the application)
And, to be clear, up to the fifth year anniversary of the date you landed (which appears to be October 22, 2021), you cannot add any more days credit. As long as you STAY in Canada, the number of days credit you have toward compliance with the RO will remain exactly the same as it is today . . . until October 22, 2021 (after that, the credit depends on actual days in Canada within the five years immediately preceding the day RO compliance is being calculated).
So, if you do not have 731 days credit as of today, you will not have 731 days credit unless you stay and continue staying past October 22, 2021.
However, I interpret your numbers to mean, in contrast, that you have been physically present IN Canada long enough that you will have a total of 731 days credit for days actually IN Canada, if you stay in the meantime, as of October 5th or 6th.
But, actually, as of today your credit toward RO compliance is the total of the number of days you have been IN Canada since landing PLUS approximately 23 days (days left on the calendar until the anniversary of your landing in October). And as long as you stay in Canada, that number (the total) remains the same until the anniversary of your landing in October.
That is, if you apply tomorrow, you have the same credit toward RO compliance as you will have if you apply, say, October 19 (so long as you do not leave Canada in the meantime).
Another way of looking at this is to recognize that the day the PR lands and becomes a PR, the PR has 1825 days credit toward compliance with the RO. Only days abroad after landing will change the amount of credit the PR has . . . up to the fifth year anniversary of landing.
Risks Related to Cutting-it-Close; Effect of Margin Over Minimum:
The conventional wisdom in this forum seems to favour waiting to make a PR card application long enough to build something of a margin over the minimum Residency Obligation (730 days presence within 5 years). To my view a margin does not help much.
My view is that even a few months more, let alone mere weeks, is relatively insignificant (very different compared to applying for citizenship). Other factors will have far more influence in whether the PR card application is subject to non-routine processing. That is, waiting until the PR has credit for, say, nearly 800 days versus applying with 731 days, is likely to have no more than a marginal impact on how it goes; for a PR currently well-settled IN Canada, the risk for non-routine processing remains relatively comparable whether the PR is applying with 731 days credit toward the RO or 786 days credit.
And, to be clear, unless it is fairly clear the PR is currently settled and living in Canada, appearing to be PERMANENTLY settled in Canada, the risk of non-routine processing is high. A hundred day margin not likely to reduce that risk much. PRs who appear to be living abroad, for example, are at elevated risk for non-routine PR card application processing EVEN if they have been IN Canada more than a 1000 days within the preceding five years.
Moreover, while the extent to which the PR is clearly NOW well settled, PERMANENTLY settled in Canada, may otherwise diminish the risk of non-routine processing for a PR card application, nonetheless the PR
cutting-it-close is very much at risk of non-routine processing, such that some delay in getting a new PR card can be anticipated. And the PR is more or less
cutting-it-close if the PR has been abroad more than in Canada . . . that is, less than 900 days credit toward the RO is
cutting-it-close and less than 800 days credit is, in effect,
cutting-it-real-close.
I am not sure anyone else agrees with me about this.
So I have offered an explanation. And will further note that unless and until a PR has been IN Canada more than 900 days within the preceding five years, the PR has been living outside Canada more than IN Canada, and on its face that appears to be inconsistent with the purpose for the grant of PR (unless current circumstances indicate otherwise, like it currently being clear the PR is NOW well settled, PERMANENTLY settled in Canada) and potentially indicates that the PR's actions after landing may not be consistent with what the PR presented to IRCC/CIC in obtaining PR status, which necessarily includes representations sufficient for the visa officer to conclude the individual "
is coming to Canada to establish permanent residence." Make no mistake about what "
permanent residence" means as used here, which is in Section 70(1)(b) IRPR (for section 70(1), the regulation prescribing what must be established to be issued a PR visa, see
https://laws-lois.justice.gc.ca/eng/regulations/SOR-2002-227/page-16.html#docCont ). It is not about establishing
status of a PR. It is about coming to LIVE PERMANENTLY in Canada, about establishing a
RESIDENCE in Canada that is
PERMANENT.
There appears to be a tendency to understate, underestimate, and generally not appreciate the importance of establishing actual residence in Canada, permanent residence.
That said, yes, 730 days presence within the relevant five years saves a PR's status. IRCC does not and cannot terminate a PR's status because the PR has not settled PERMANENTLY in Canada.