@dan971 Some people are brighter than others and the advice can vary depending on the circumstances. Remember, the IRS sees the mortgage interest and points on your sch A. See About Schedule A (Form 1040 or 1040-SR), Itemized Deductions. The IRS computer will verify all 1098 forms received from the issuer and verify your entry is less than or equal to the amount. The IRS will look at balances to see if there is a limitation. In your case, the grandfathering date is important.
I can't speak for what the tech department does or plans to do. I do know that after you file your return, there is a place to make comments and those are read.
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