All what you are describing is very normal for the 2-1 transition, so you are not alone and you are not doing anything wrong.
The way I would go forward IIWY is push her first nap a bit later, so perhaps stick with 4:15h A time for 3 days, then 4.5h for three days. Then we can see because she might be able to do even more than that. I know that one some days you ARE doing that already but I think we would need to be a bit more consistent with it to figure out her right a times. At the same time I would start and shorten her PM nap.
I can understand what you are saying here:
I also have a hard time waking her from pm nap as I feel like she should sleep if she is tired
but there is no way around it - we have to help them go through the transition.
If she naps an hour I hope she only does 30 mins at most so she can get decent bt.
And waking her will also help with that ^^^, she is not in control when she wakes up, you'd need to do it for her.
If she will have shorter PM naps then she wouldn't need a full A time before BT like she does now because the "not enough" sleep in the afternoon will make her tired enough to go down at a reasonable time, aiming for a 12h day.
When going through the 2-1 transition EBT is your best friend! Don't be afraid to cut some days short because you feel she is accumulating OT. I would say that as a first trial I would go rather for an EBT then stretching a day to 13-14 because one needs to fit a second nap in there
I don't think that her NW is habitual, because an habitual waking happens at the same time every night, so anyway W2S won't work. I still think that the NW is related to her routine and might get easier when her A times and naps are sorted.