You're correct that the IRS does not require amendments that don't change the Refund/Tax Due amount.
You could enter the correct amount of your Capital Loss Carryover in your 2021 return and file your own return, as you suggested. Keep records of your calculations you did to arrive at that amount just in case.
It's hard to say what the likelihood of the IRS picking up the difference between the Loss Carryover from 2020 to 2021. Probably about the same as the likelihood that they picked it up from 2019 to 2020. However, it is common for users to have to calculate/enter the Capital Loss Carryover amount if TurboTax calculated/reported it incorrectly.
This link has some discussion on Incorrect Capital Loss Carryover.
Click this link for various options/prices for guidance through TurboTax Live or Full Service.
Good luck to you.
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