The whole premise of why BLOCK 4 Virginia’s were planned for the RAN’s first 2 SSN’s was that they have enough life (including reactor fuel) to last the expected 20 years until the 6th & 7th AUKUS SSN’s enter service. Earlier Virginia’s would have to be retired earlier which would reduce fleet numbers for a few years.
My understanding from what the British have encountered is that when a refuelling has to be carried out on a reactor that was designed for a full life core, it is very expensive and takes a lot of extra time, ie, it has to be avoided at all cost. The RAN would be better off rejecting early Virginias and try to keep the Collins in service until the new SSN’s can be built locally.
PS. Kanimbla & Manoora come to mind when talking about taking early Virginias.