Looking for advice on PSLF

Hi all, I am looking for advice on what to do with my loans. the PSLF thread keep deleting my post (not sure why). I have been in medical training forever and have 200k of student loans. I started PSLF when I finished medical school and have made a total of 55 qualifying payments on the SAVE and have another 12 or so in forbearance that I would *hope* to buyback.. I am about to start my job with a salary of 400k/yr. I am very grateful for my opportunity but I have been more anxious about figuring out PSLF than treating patients and would love some help from the community:

1. My servicer site says that I am still in forbearance until October 2025 because I am on SAVE still. I have requested to switch to IBR but this has been in review for a long time. Am I just accumulating interest during this time? How long does it take for them to process to IBR?
2. It seems like IBR will be an option (I was able to select it on FSA website). Since my loans are from 2015-2019, I believe it will cap at 10%. What income does IBR base its payment on? It is giving me an estimate of 800/mo which I think is based on my salary as a trainee but if I am going to be paying 4k/mo, it seems like I will end up paying back all of my loans by the time of forgiveness so I am weighing the option of refinancing since interest rates are low (4.3%) and not dealing with this roller coaster.

I feel like the FSA and servicer websites are not very clear and I am trying to avoid accruing more interest and paying more than I need to over the long run. I also don't have much clarity on how IBR works. The FSA Estimator does not give it to me as an option and also does not take into account buyback/etc, but it allowed me to select it on the application.

Thank you in advance for reading and helping out.