No, you could file within 90 days window prior to Feb 12 2025. Don't apply on the first day when the window opens to be safe. However, you had point #2 which can affect the filing date.
I'm sorry about your mother's condition. Technically yes, a strict officer may deny N-400 based on broken marital union. If you want to be bullet proof, apply in December 2025.
However, if you feel like trying your luck, you can apply in February 2025. You may lose the filing fee, but that's all. You can always reapply. Your GC is safe as you didn't spend over 6 months overseas and didn't break residence.