Staying at two cities until hermitage? Isn't it like an auto loss already then? If not does it even make sense to settle afterwards? The cities won't have enough time to grow.
You can win OCC, so no, the game isn't auto lost then. However all cities you get post that point should be ones you conquer as a self founded city won't pay for itself.
(Minor exception of if you can't get a key resource form city states and the major AIs don't either but there is one of them in land that AI left unclaimed)
I really feel compelled to have cities 2 and 3 first build be a monument or shrine before starting to hard build the library (because otherwise the monument or shrine is terribly delayed by the library build). If I get better at saving, then the 4th city can safely start with monument or shrine also (since it's cash rushing the library). Most games I struggle to get NC done by turn 100, but I certainly agree that doing so makes a big difference.
2 city NC and one version of 3 city NC are both Tradition tactics. So, no their monument won't be terribly delayed. (It will however arrive one policy later than it used to post Halloween patch.) Usually a pantheon providing faith is what is used to found a religion as well. (In other cases Stonehenge in the capital)
It's actually more significant that the granary is getting delayed.