No, you are definitely not setting yourself up for continued failure. First, if (and only if) it helps any, I still have yet to receive my refund for 2019 tax year and I filed in May of 2020. The IRS site says "in process" and there is no updated date. Second, the IRS does not pay interest on refunds.
Third, with respect to your 2020 tax year, this will be treated like a completely separate filing. Therefore, fill out the information as it is - current mailing address, income, and any amounts received for stimulus for 2020 (even if a check was received in Jan of 2021, it is still 2020 stimulus money).
The IRS will be reconciling information on their end to ensure they do not over pay anyone. The worst case scenario, is that given the complexity of our tax year overall due to covid, it might take a while for processing. But you never know so get it processed on the 12th or shortly thereafter for 2020 tax year.
