Rumors are we’d get more information abou CNGAD before end of the year. We’ll see.
But even if CNGAD is not ready I don’t think PLAAF could financially support an all Fifth Gen fleet. But inducting J-35 into the Air Force will definitely have a positive impact on export prospects.
I don't see how J-XD being ready or not ready in the near term has anything to do with the PLAAF's ability to financially support an all 5th generation fleet.
The PLAAF will not become an "all 5th generation" (or above) fleet until the last of its pre-5th generation aircraft are retired, and given J-16s and possibly J-10Cs are still in production today, that won't happen for another 20 or more years given the lifespans of these type of airframes.
If you're talking about only actively procuring 5th generation (or above) aircraft, that also doesn't quite make sense because even if J-XD was not ready in the near term, their procurement will depend on what J-20/A production looks like, what their CCA/UCAV efforts look like and what their land based J-35 intent looks like.
Putting it another way, at some point in the near future there is a good chance the PLAAF will cease new procurement of manned fighters which are pre-5th generation, and the makeup of their active new procurement manned fighters will end up being some mix of J-20/A, J-XD, land based J-35, augmented by unmanned CCA/UCAVs.
Whether they buy a land based J-35 in any capacity imo fully depends on what the readiness of J-XD will be in the 5 year mark and 10 year mark from now, on what J-20/A procurement scale and costs will be, and what CCA/UCAV maturity and readiness can look like as well. I could easily see a situation where a land based J-35 makes no sense and they just power through with mass producing J-20As going into the early 2030s aiming for a total count of 1200-1500, ramping up CCA/UCAV from the late 2020s, and J-XD entering production in the early 2030s alongside J-20A production starting to reduce.
(I'm not calling it "CNGAD". Too many characters, and we didn't call J-XX "CATF" either)