I agree she is fine. However, I would put a solid effort into testing if she hasn’t done that already.
At the top level, the issue of testing has recently to shifted back to necessary. While schools are unlikely to require them due to their mission to increase access, AOs from several Ivies (and others) have gone on record admitting that they struggle to assess preparedness without a score. Math has been a particular issue.
This actually should but some of your concerns to rest, since the SAT only covers through algebra 2. I don’t think they care so much how far along you are (other than within your personal context) as much as having a solid understanding of the building blocks.