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So here's the problem with "may be possible" to do better.

If and you can't do beter (because as you said YMMV), by trying just a few days too early, you've set your whole clock back, since rejections (including for trying too early) reset the clock exactly like approvals do!

So you can wait 65 days and be confident of what your clock will be in the future, or can play with fewer days but risk not knowing whether your clock will get reset with a denial for trying "a few days too early".

It would take even more "dangerous" experiments by someone (applying for Exec at 1/8/15) to see what the real Exec clock is (it would presumably be hinted at in the ltter for being rejected at 15, if rejected at 15). The only reason we know of the (until Exec considered "Citi-wide") 65-day clock is because Citi sends out a letter at 25 or 35 or 45 days saying something like "you have made more than 2 applications within 60 days", and then we noticed sometimes people got that same letter even at 61 or 62 days, and so we padded it out to 65. Without such a letter at 15 days from someone who tried 1/8/15 on Exec, we can't figure out what the Citi rules are for Exec (or even whether they're different, or whether Citi simply changed the Cit-wide rules a couple months ago but no one has received a differently-phrased letter yet so we don't know about it).

Ie, it's possible that a few months ago the formerly-Citi-wide 65-day rule changed to a still-Citi-wide 35-day rule or something. There's simply not enough data to know immediately when one of these rules changes, because people don't violate the rule by that much that often and don't often post what those rejection letters say when they do.