Doing the testing while things are going well sounds wonderful. I would go for it!
Great point. There is a lot of wisdom in this. A lot.
Mr W's milestones are just a bit later than your DD. I know two kids whose milestones were a few months later than his and their FSIQs were > 140. So, I think you have a good shot to make the cutoff.
I'd get her tested. Then you can argue about facts with the school district and also gain some feedback from the psych and other parents with kids on the same scale.