I never said submitting the AOS package now equates to losing the I-485 processing fee, but if you choose to interpret it as such, that's ok. If you check past AOS Threads and/or Timelines, I'm sure you'll see cases that became current in July and successfully completed the AOS process.
Considering how you've been skeptical and dilly dallying about the process - being current since Jan or Feb (?), not acting early enough to get the waiver for your 2 HRR, etc - it doesn't seem to me like you really wanted to go through the process anyways.
First, Thank you for taking the time to reply and provide guidance.
No, I did not say you implied that we would loose the processing fees if we apply now. But like you said, " it can be dicey" and there is a significant likelihood that the processing would not be completed in time, and that does equate to a significant financial loss from the processing fees. I am still going to submit the AOS regardless and hope for the best.
Second; I am a little surprised and taken back by the tone of your response. You sure do judge people harshly without having all the details and then jump to conclusions about me not wanting to go through the process anyways. Anyone would have to be insane not to want to pursue the DV selection. I have not been "dilly dallying about the process" and certainly not " not acting early enough to get the waiver". I have been working on the waiver since May 2016. I don't know what can be done when USCIS and DOS have taken a very very long time to process the waiver.
Anyways, I am honestly still very thankful to you.