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I remember that, at the time I felt like I had finished the challenge with 100 days to go and it would be easy to complete but I was very wrong. Even though the overall weekly hours have gone down because of swapping to more indoor riding, it's become a lot more difficult to stay motivated. I need to get back to commuting as I haven't done it since I was ill the other week.
I learnt my lesson from trying to do a big catch up after suffering from concussion and that didn't work at all. So i'll steadily catch up, more might be a better option and then I can have a buffer. Yes there's not many days left but this has a bigger risk as like you said if something goes wrong I'd lose it all. There's a lot of risk management
I posted something a month or two back about how your motivation might suffer as you had pretty much cracked it but still had a lot of riding to do.
Turns out that was rubbish! It is still a hard challenge. It's easy to lose a couple of days and get behind schedule, and you are in the middle of winter. So you still have a battle on your hands to hit the goal.
The upside from that is that it might help your motivation, knowing you have a bit more to do than you thought you would have.
I think your approach is really good, just do a little bit more each day and claw it back, rather than going for the dramatic gesture, like an all-nighter to try to get it all back in one go, only to knacker yourself and fall behind again. It will be good to get a bit of a buffer at Christmas too. It would be a nightmare to go out on the last day still needing 100km and come off, or have a mechanical that you just can't get a part for in time, or something, and lose having won for 364 days but lost for one.