These matters are best left to another time; the conventional wisdom now is that Biden is on track to win; however a caveat! The Supreme Court's intervention in the Pennsylvania situation, offers some interesting scenarios, chief amongst them, a possible recount can't be dismissed; as all ballots postmarked on November 3, and counted after that date, will have to be segregated & reviewed! I can imagine the possibility that any gains made by Biden in the count could be undone! Also there are military and absentee ballots that tend to favor Republican on the ballot! Trump could also prevail in Arizona too. The Georgia ballots will be recounted; the Biden advantage in Nevada could also end up been overturned! I could be incorrect in my suppositions, no doubt many Democrats who participate in this thread hope I am. So 2024 speculation regarding Trump is meaningless & futile at this juncture.
Pennsylvania has segregated its late arriving ballots (which are very few) and is counting them separately from the ballots that haven't arrived on time. So they aren't included in the current totals, and likely wouldn't be enough to sway the race unless it were extremely close (which it looks not to be).
And, to answer the question in the thread title, I'm going to say that it would about 45-46%.