Not to be controversial, but:
In Jim Hacking's video the reason for the denial is not the timing of the interview. The issue is that the applicant had a pending 751 and the officer wrongfully denied the naturalization based on a pending 751. Wrong denial, of course, but nothing to do with the timing of the interview itself.
On the Reddit link I see two issues. First off, by the time he made the post, OP's friend hadn't received the official denial letter. I have seen plenty of times where there has been a misunderstanding with what the officer actually said, and the denial letter fully explaining the reason.
In addition, if you read further down, OP explains what the issue is:
No, she had to apply again. They denied her application. Her case was special. She had a green card before she got married to a citizen. I think the online application tool assumes the applicant got their green card thru marriage therefore they have been married for at least 3 years which she hadn’t been she she applied 3 months early. It’s a rare thing but unfortunately for her she will have to go through everything all over again. She’s waiting a week to reapply just to be safe.
Clear as water and rightfully denied. When applying online, this person marked the option of the three year rule, for which you have to have been married and living in marital union for three years, which she hadn't. She had only been married for two years and nine months.
Like you said, it's up to people of the want to take the risk, which, imho, is low.