Interesting. I have an LTR now. My last OA extension was Oct 2022. Like I said, always brought, it never asked. I’ve never heard the requirements to be different.
Yeah, they are not going to like you not having 6 months on your passport. The best case is that they will only stamp you in until the end of you passport so you won't get a full year extension.
I have an LTR visa. Normally they would have given me a stamp for 5 years out but my passport was to expire before that. They only stamped me in until the end of my passport. I did get a new passport and they transferred the visa and updated the end date of my permission to stay stamp.
You may also want to check to see if you really have an OA visa since you don’t seem to know how it works. Many people confuse the OA and O visas thinking “retirement” visa is an OA visa. They discover that they have an O visa which doesn’t require health insurance for a 1 year extension.