For other applicants interested in my experience :
My application was SET(O).
I believe I was technically a few days short of the required time.
I did not apply in person, as there was a general feeling on the boards that I will be turned away. I did not want to test my luck and take a day off work to find out. Also, finding appointments at that time was a bit tricky.
Therefore I sent my application by post. There was some debate whether the required time was date of submission or the actual date of review/processing by the caseworker.
Well, if it takes them more than 6 months before they look at my application I didn't think they will be too strict on a few days if it was based on submission date. That's the risk I took.
I sent my application in and waited .... and waited. I did not put in a cover letter to bring to attention of this short fall and did not make any variations. Got my acknowledgment letter about week later and my biometerics not to long after that. So that was a good sign, that they didn't reject my application straight away.
Work did get a bit funny with my visa expiring and forced to take time off until the acknowledgement letter came through. Luckily it did not get lost in the mail.
Seven months later got the approval letter.
Fall back plans was appeal, but lucky I did not have to cross that bridge, and had no idea how that would of worked.
I did not want to apply for a visa extension paying £1,500 then apply for ILR £1,000 after that just for being a few days short. Although some people may have. I took the view it was when the caseworker looked at your application especially consider the backlog and waitiing period.
But it is up to the individual to take the risk, and they should get their own advice rather than go off my experience.
Good luck to the rest of you.