I largely concur in the observations posted by
@21Goose except for the arithmetic.
Among PRs who are cutting it so close as you have done, we do not know what percentage are subject to Secondary Review or OTHER non-routine processing when they make a PR card application. You are
cutting-it-so-close it seems the odds of non-routine processing may be significant, and that could indeed mean a delay in how long it takes to be issued a new PR card.
The fact you are now settled and living in Canada is an important factor. That can indeed make a difference. Particularly in a case like this where your calculation of days present in Canada appears to depend on days visiting Canada at various times, credit that appears to make the difference between being in compliance versus being in breach of the Residency Obligation. To be clear, you are indeed very much
cutting-it-close. It warrants remembering that the burden of proving days in Canada is on the PR.
Calculation of days present:
Relative to the number of days present in Canada and the PR Residency Obligation, in this situation there is little or no difference between a new PR card application made, say, January 22, 2020, June 22, 2020, or November 22, 2020.
The longer you wait to make the PR card application, the stronger evidence there is that you are in fact settled and staying in Canada. And that can matter.
But in terms of the calculation of days credit toward complying with the RO, your current calculation (as of today) will continue to be the SAME number of days credit until sometime in November 2020. Of course this depends on you remaining IN Canada.
This is because you get credit for all days remaining until the fifth year anniversary of landing, so between now and June 22, 2020, SO LONG AS YOU STAY IN CANADA, as each day passes you gain a day's credit for actual presence and lose a day's credit based on days remaining until the fifth year anniversary. And then, beginning June 22, 2020, even though you will continue to gain a day's credit for each day you continue to be in Canada, as of then you begin to lose the corresponding day in 2015 as those days fall outside the relevant five year time period.
IN OTHER WORDS:
In particular, I cannot speak for anyone else but I do not understand the arithmetic or reasoning in either of the following:
Again, the number of days credit you will have, toward compliance with the PR RO, will be exactly the same if you apply January 22, 2020, June 22, 2020, or November 22, 2020.
This is because an application made January 22, 2020 gets credit for days remaining in the first five years . . . so the days between January 22, 2020 and the fifth year anniversary June 22, 2020 count as if present. (Of course if you leave Canada after January 22, 2020 and before the fifth year anniversary, you lose credit for the days abroad; remember that IRCC can schedule an interview and conduct a PR RO examination as of any day while a PRC application is in process.) So the total credit is the same January 22 as it would be June 22.
Then, after June 22, 2020, the days you were present in 2015 begin to fall out of the calculation. So for each day you are present in Canada after June 22, 2020, FOR the NEXT FIVE MONTHS (to be precise, for the number of days you were present in Canada following the day of landing in 2015) you lose a day . . . that is, until November 22, 2020 (again, to be precise, until the fifth year anniversary of the day you left Canada after landing in 2015), your PR RO calculation will be exactly the same as it was on June 22, 2020 . . . which, by the way, is the same as it is TODAY (so long as you are in Canada and you continue to stay in Canada).
HOW "SAFE" IS YOUR STATUS and REMINDER RE BURDEN OF PROOF:
Given how close to being in breach of the PR RO you are, one can only guess how "safe" you are if you apply for a new card in January 2020 or June 2020 or November 2020. Since you are now settled here and staying, my guess is that it is SAFE in terms of keeping PR status, in terms of not being reported for a breach of the RO and then having to prosecute an appeal to keep status. That said, the longer you remain here now the more secure your position is.
However, the burden of proof is on the PR. So the number of days credit that IRCC gives you could depend on your ability to prove actual presence in Canada all of those days. Days since coming and staying and being settled here should be fairly easy to prove. Proving presence for days in 2015 and days visiting, that could depend on what evidence you have of your presence during those periods of time.
In any event, in terms of apprehending whether there might be non-routine processing of a PR card application resulting in a delay that leaves you without a currently valid PR card for some time, that is almost impossible to guess other than to acknowledge that given how close to a breach you are and will continue to be . . . virtually into 2021 . . . we know there is a significant RISK of non-routine processing and a delay.