I'm not sure where you're getting the "unable to use products for 75 days" part?
If you refresh your licences on the 1st of Nov, you lose your dongle on the 2nd Nov, ZDT licences are issued on 3rd Nov which last until the 17th Nov. For the 90 days to lapse until the licences on the lost/stolen dongle are void and thus can be activated on your new dongle, you will have to wait until at least 1st of February.
Don't know where you get the idea that you have to wait for the 90 days to be up before being activated on the new dongle. The only thing the 90 days refers to is that to keep TLC coverage going you have to let the iLok site see your dongle every 90 days which can be done on any computer with the ILM s/w. Has nothing to do with licenses being voided.