You were told "Form I-693 (可以先不交等到移民局 RFE 時再做體檢)"
Since the I-485 may be filed even w/o I-693, then how comes it could not be filed w/ an incomplete I-693?
Whether or not an I-693 is complete or not is not determined at the time of receipt of I-485 but at the time when it is processed, which may be months or years after its submission.