I completely agree, although I would state it somewhat differently: There is a 3-4% bias in the EC toward the GOP, so Biden needs to win the popular vote by 4+% in order to win the EC.
Right now, based upon the most reliable polling I can find (State polling is notoriously inaccurate), I have Biden at 289 electoral votes - keeping Florida and North Carolina as toss-ups. I think Biden wins Arizona, Wisconsin, Michigan and Pennsylvania. With Florida, he's at 318. If, miraculously, North Carolina swings blue, 333. I am not including either Nebraska's or Maine's 2nd Districts, because they are just to small to make reliable predictions. Trump's best chance at winning is taking Florida and Pennsylvania away from Biden, which would make it a close election - potentially even tied. I don't think Trump can pull Arizona and Nevada back from Biden, although Biden's margin is only about 5 points there.
I don't use the RCP average, as
Perotista knows, because they take any old poll, and some are just crap. That's why I rely on
FiveThirtyEight, because they analyze the reliability of pollsters and eliminate the chaff. Then I go to
270toWin to chart my predictions.