It is a very good point about the health of a tree can affect its ability to produce and ripen the fruits.
@BucksCountyFigs BM type's GDD are in the range of 2200-3200. Take this year for example, you would have accumulated 2700 (just a mid number) by 9/4/25 (assuming 5/1 as the last frost date) and the rest of September should be able to ripen most of the crop of a healthy tree.
You can try to get BM varieties that are near the 2200 side than the 3200 side. Also, I think the range may depend on the growing conditions rather than the weather or the variety. Take this year as example, I started ripening BM on 7/11 without headstart, except I left them in the hot, dark garage for an extra 2 weeks because I didn't have time.
Another issue with BM type is it needs rather consistent watering and humidity or it may split. You can still ripen split fruit if you tape it up early and pick a little early.
The CDDs and the Hivernencas are the really late ones in my mind. I haven't grown Panache for a while. I last grew it in SoCal, which had a very long season so didn't think of it as late either.