As you say, nginx does complain about the cert files not existing, so that's pretty close to what I do. I just start with the non-ssl version, let certbot do it's thing, and then copy the result after it's deployed (if I remember). It's mildly annoying, but it takes about 2 minutes in total so it's been like that for 2 years now.
I'm sure there's something smarter I can do, like reading back the result afterwards or someting and altering my local file. But honestly, once nginx is configured for an application, I almost never touch the config again anyway.
I suspect I'm more likely to move everything over to cloudflare tunnels and ditch dealing with ssl locally altogether at this point.