But maybe some people don't want to provide those documents, even if they are able to. I don't want USCIS to have my bank statements, life insurance policy, and other such private information. It also invites an anal IO to question the health of your marriage and peer into your private lives (remember it is not sufficient to have a bona fide marriage, you also have to show the marriage is still viable). If it is just a matter of waiting 9 more months to avoid that, I'll wait the 9 months if I am not in a specific rush to get citizenship, such as applying for a Federal job or sponsoring a parent.
Jack, the gist of my advise was that
#1. it is too early to say how things will be 3.25 years from now,
#2. the OP's case compares very favorably as compared to other people who got married and then got GC.
#3. I do not see a harm in saving 9 months if the documents were available
Regarding documents, each person has his/her own situation. However, USCIS is free to check my bank statements, life insurance, marriage and I do not consider that a burden in any way (except the effort of collecting it). I wish the USCIS provided a web page which under my authority went to IRS, all DMVs, marriage registrars, FBI and provided me a copy of all my documents to submit, sorted in correct order. I have absolutely no privacy concerns on this aspect. Also, I suspect they already have this information, it is just not sorted right.
Last, even though we read on this board a bunch of horror stories (talking of anal IOs), I think the reality is more positive than negative. People come here to find solution to their issues. Many people do not have issues and you rarely hear about them. Obviously the person who gets caught in a mishap does not get any comfort from my words, but I think the OP should be able to apply under the 3 year rule (if he/she wanted it)
with a definite but minor risk of delay.