Form 3520

I am a US citizen. In year 2023, I received two cash gifts from two foreign family members. Each of them sent me $50k, but each time, the amount showed up in my bank as $49985, and then I got charged another $15 fee for incoming wire. I don't know what happened between the banks because they paid fee before wired the money too. I prepared that I need to file Form 3520, but suddenly I found that I didn't receive more than $100k, but 2 *$49985 in 2023. In Jan 2024, I received another$49985, but I don't expect to receive more in 2024. Based on Form 3520 instruction, I don't think I have to file, but will it better to file? Will there be a problem if I file when I don't need to file?