Do you have the original Joie 360, or is it the i-Spin 360? The original one doesn't have the pop out wings on the side, and the button to spin it is by the child's feet and the recline button, whereas with the i-Spin it has pop out things for side impact protection and the button to spin it is on the side of the seat.
If you have the original, then there is no 105cm limit and she can use it up to 18kg. It actually has a very generous headrest height and many children fit until they are quite a bit taller, so you could have longer than you think left in the seat.
If you have the i-Spin then yes it is outgrown at 105cm.
Second question is how close is she to 105cm - because it could take longer than you think for her to get there. It's OK to wait until you actually notice she's 106cm+ if she's under the weight limit (19kg for Joie i-Spin 360), as the height limits are more about ensuring the seat is big enough for the child, whereas overloading the seat by weight limit could cause it to fail.
If you do end up needing to change to a new seat, 5 point harness is better for under 4s and under 18kg. After 4 and after 18kg there is no clear evidence either way so it's whichever you prefer. The main problem is that most seats that convert from 5 point harness to high back booster have the same 105cm limit for using the harness, so you may have the same issue.
Joie i-Irvana Max is one which does have a higher limit (125cm) and some MNers have reported being happy with it. We don't know how it performs yet on the ADAC test, as it hasn't been tested. The better perfoming seats on this test in this category are Britax Evolvafix/Advansafix, Silver Cross Balance i-size or Maxi Cosi Titan i-size. However, all of these have the 105cm limit on the 5 point harness. So it depends on whether you'd prefer to prioritise good ADAC result or longer harness use.