I applied under the 3 year, while also having my I-751 / ROC pending. I applied in Aug 2022 and was naturalized in April 2023 (8 months). My case was straightforward as well - no divorce waivers, commingling of finances, no arrests / criminal charges. The only hiccup was my N-400 interview was held in February but a decision could not be made because they didn't have my file. It took about 3-4 weeks to get the oath ceremony notice.
The Minneapolis office is processing N-400 applications faster than the posted processing times. My recommendation is that you apply and not wait.