I certainly would file soon rather than wait for citizenship , to start getting the documents processed + as you note you can upgrade when you become a citizen if necessary. If I am reading the November visa bulletin correctly F2A becomes current for filing next week, so you could file i130 and i485 concurrently during November. If you are filing concurrently it is generally advised to submit both on paper together rather than one online and one by paper, I don’t see the advantage to filing one online first when it is less than 2 weeks before you can file concurrent.
Average time to process N400 has been around 5-6 months recently (could vary widely depending on your FO) so could be well over a year before you actually get your citizenship- I’m not sure there’s any point in waiting for that before filing (not clear if that was part of the question). She won’t be able to actually get her green card until table A is current, but that still may be before you become a citizen depending how the visa bulletin goes,