"I would rather bypass 8915 if I could and use only for 3 year spread."

I think we discovered that the 8915-E has an election you need to consider, so it's not optional:

"Who Must File
File 2020 Form 8915-E if any of the following applies.
• You received a coronavirus-related distribution.
• You received a qualified 2020 disaster distribution other than a coronavirus-related distribution.
• You received a qualified distribution in 2020 for the purchase or construction of a main home in qualified 2020 disaster areas that you repaid, in whole or in part, no earlier than the first day of the disaster and no later than June 25, 2021."

"How Is a Qualified 2020 Disaster Distribution Taxed?
Generally, a qualified 2020 disaster distribution is included in your income in equal amounts over 3 years. However, if you elect, you can include the entire distribution in your income in the year of the distribution."