Have seen both cases... several times... The first one was "A grade" applicant with clean record, no tax or child support issue, etc. Green card was expired less than 30 days, he passed. The second one was "C grade" :D He had DUI, misdemeanor, etc. and he was asked to have his green card renewed before taking oath ceremony.
Evaluate yourself, see if you are A or B, or C, then you'll know what to do. If you are in California... don't try to get around, just do it.
Besides, it's true when you said " it is not your fault that it took them forever to get my application completed..............," BUT as a permanent resident, one of your responsibilities is having your greencard renewed 90 days before expiration date.
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