You say "get a CP in early 2022", do you mean that you want the CP to be valid for 2022 through 2023? If so then you must make sure that all 125k RR points post to your RR account in 2022. If you meet your MSR on the biz cards in 2021 and the bonus posts to your RR account in 2021, then those points won't count for a 2022-2023 CP.
If you just want a CP for an early 2022 trip, then you could meet both MSRs in 2021 and get CP for the remainder of 2021 through 2022. Obviously you have more potential value if you can time it so that the bonuses post in 2022 instead, but it is a little riskier if you have a jan/feb trip you are planning to use it for. It's still possible to time it so that you get most of the spend completed in 2021 but hold off finishing it so that the bonuses post in 2022. Have you checked out the SW CP Fireside Chat post on our private DISchurners subreddit? That has good advice on timing and card selection.
Or at least checked out the r/churning SW CP megathread with the catalog of CP failures? Learning all the pitfalls from others mistakes can help shape your personal timing.