My DD2 turned 3 a couple of weeks ago and I have been concerned with her speech since she turned two. Have always felt she had an 'issue' with her speech, so we have been involved with our local Speech and Language programme for a while. She has had some support and we have done a group session based on It Takes Two to Talk, which was more aimed at providing parents with skills to encourage talking. However now she is three she will be reassessed and if she needs further help it will be one-on-one with a SALT.
Her speech has come on a lot in the last couple of months, she now regularly says 4/5 word sentences and has too many words to count, she also parrots phrases quite a lot too.
She knows the alphabet song, twinkle twinkle, row your boat, she knows her colours and shapes "that's a hexagon", and can count to ten.
Recently I have noticed she asks more questions "what's that?" "where did x person go?' and will volunteer more information "I like that one".
You can't really have a conversation with her yet though, maybe a very basic one, it can be hard to get her attention and get her to answer questions.
It is still very hard to understand her speaking and though she probably does meet the 'standard' for her age I think she will require further support and I am all for that, why let your kid struggle along when the support is there? Even if your daughter does get really chatty by Christmas it doesn't mean there might not still be an issue or a reason for the delay. I think 3 is old enough to be worried without being an seen as an overanxious parent.