I checked the website too, seems like you are good to go. Send your n-400 in you have nothing to lose since Vermont is working overtime on the N-400 after the NY times article on the slow citizen process.
I read the guide too, and this is what I understood. You can apply for citizenship 90 days before the three years of continous residence requirement is complete, as long as you have been married to your spouse for three years.
Here is what the guide says,
"If you are applying based on 5 years as a Permanent Resident or 3 years as a Permanent Resident married to a U.S. citizen, you
may file for naturalization up to 90 days before you meet the
continuous residence requirement. For example, if you are applying
based on 3 years of continuous residence as a Permanent Resident married to a U.S. citizen, you can apply any time after you
have been a Permanent Resident in continuous residence for 3 years minus 90 days.
You may send your application before you
have met the requirement for continuous residence only. Therefore, you must still have been married to and living with your U.S.
citizen spouse for 3 years before you may file your application. You must also meet all the other eligibility requirements when
you file your application with USCIS."
If I am reading this wrong, let me know, so I can send my application next month.