When I mentioned a missed RMD, I was not referring to an RMD for someone with a Required Beginning Date of April 1, 2020 since those RMDs were similarly waived. I was referring to an RMD that was taken late, say, an RMD for 2018 taken in 2020 or an RMD for 2019 that was required to have been completed by December 31, 2019.
So your recommended text doesn't work for those who reached age 70½ in 2019. I considered not even mentioning late-taken RMDs in my previous reply due to this potential confusion, but I couldn't just say that a distribution taken in 2020 is never to be treated as an RMD.
