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Since I never hear anything about this angle-
The other reason it kinda "has to" be Harris if it isn't Biden, relates to campaign finance rules. If he steps aside, she can continue to use their campaign funds.
If it's neither, then whoever is nominated basically has to start fresh raising money, and with a huge time disadvantage.
Not only that but Republicans have already said they would take it to the supreme court if anyone else is on the ballot.
Plus a completely new person might not even be on the ballot in multiple states being this late into the process. Harris can keep all the donations and is certified to be on the ballots.
Is that true regardless of her VP?
Yes as president she can select whoever she wants as VP.
ELIF why they'd have to raise money? Campaign money is used to campaign, which you also said they wouldn't have much time to do. So... Why would they need gobs of money?
Not a campaign expert, but there are tons of things that political campaigns need to do in the 3 months leading up to an election -
Conduct national and local ad buys on TV, radio, and social media.
Orchestrate volunteers to call voters and knock doors.
Print promotional materials such as signs and shirts.
Conduct candidate appearances (speeches, public forums, rallys) which includes travel costs, event space, logistics.
Coordinate and encourage voter turn out (includes a lot of research, planning, data analysis).
Prepare any legal challenges related to the ballots and election procedures (this could get very complicated and expensive in a national campaign as there are so many venues; Imagine having to retain teams of lawyers and potentially file suits in all 50 states).
All that stuff costs money. Usually a re-elect campaign has years to raise money so jettisoning the entire warchest with 3 months left isn't a good idea. Granted there is so much PAC money in national races, maybe it doesn't matter as much as it used to.