@siena101 no worries its up to you. just to clarify, though 489 is a temporary visa, once you satisfy the 2 yr requirement, you can apply for 887 straight away and 887 is like "converting" your 489 to PR.
887 is not subject to any point requirement so even if you reached 41, 42 or 43, it does not matter.
I guess ang advice ko is the earlier you get your visa approved the better especially if age is a concern for you. I did the maths, kung 41 ka 2 yrs from now, 39 is your current age, so if ikaw ung primary applicant, once you hit 40 and you have not been invited, you will lose 10 points for age.