hi wanttwo.
wow, this is way above my pay grade. i've never done precycle BCPs so i don't know anything about it, but it does sound like a really long time to be on them. is there any chance you can just come clean with your RE that you don't want to lose the month and intend to try naturally and ask for help in figuring out a plan? aside from that, i don't really have a problem going against the RE, but you want to have a good understanding of all this and be really comfortable that you have a viable plan of your own. hopefully others will chime in who actually can give you advice
good luck!