The 4th one is one of a few options for the last 10 missiles needed in Any% NMG. There is also the one after Quiet Robe or the one on the way to the double Burenia Bots
There are plenty of runners close or under 1:30:00 with Physical Versions. It really does suck having to spend the extra money on another copy of the game, but you usually can sell it to a GameStop or something. I gave my physical copy away to someone who wanted to play the game on their own switch as well. It sucks to have to buy twice, but now it’ll be something you remember for next time a game comes out you may want to speedrun, and it’s a lesson that won’t have to be repeated
The verifiers are also regular people too, volunteering their time for this. They have lives outside of this, doing other things or runs of their own. We can’t expect them to spend every waking moment verifying runs, that’s unrealistic.