@Onward thanks for referring to my entry and also giving a link to the entry of sm33 - I recall myself reading that entry as well - it was useful. I appreciate your post and approach 
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As mentioned the law has been amended, it is more precise now. Yes in the past there was the phrase of “sufficient ties to Portugal” which raised concerns about what it really means. When I first started this journey in 2017, I was told that in the future I might need to look for additional ties, but with changes that took place later on, there was no such need. I checked this specifically with lawyers. Please feel free to check this with your lawyers as well.
I myself applied last September along with few friends. The process is not really that complicated with regards to what is being asked. If you are a GV investor, bank account and NIF should be there; the whole point of the program is investing into Portugal, so I can’t really imagine how you would do that without a NIF + bank account.
The numero de utente could be gathered online during Covid times (I have written about it in one entry, if that option is no longer available I would check it with the lawyers. I got mine free via email which took 3-4 months, my lawyers told me that they could do it on behalf for a small fee)
To wrap up, I would not make this process any more complicated than what it is. It is not the fastest system - “We all know it” but with the recent changes, once you pass the 5 year mark and have the language certificate, criminal checks and birth certificate in place, the rest is more about collecting the other documentation…
You can do a quick online check, I think in year 2022, 98.9% of all citizenship applications were approved. This means that almost anyone who applied got the citizenship - there would be always that 1% with some issues. (In fact I expect that to be higher)
Last but not least when you reach the stage for citizenship application, apply online (either by yourself or through your lawyer / solicitor) Do NOT apply via post. I will write a separate entry about this. Otherwise you can wait for a year before you application is even registered in the system…