Regarding SSBNs, I'm not sure that it would be excessive to match USN's planned dozen boats, given the proliferation of SAM and other air defence systems with anti-ABM capabilities that we can anticipate in the coming decades.
True, I suppose SSBNs might be something the PLAN can seek to match USN on -- but even a mature PLAN SSBN would probably be smaller than a USN SSBN in terms of displacement and missile count.
Regarding your point about PLAN investing in nuclear submarines in larger numbers once they have brought technology up to par (as with 052D), it is for this reason I am surprised that PLAN has reportedly already built up to five 094 SSBNs. By all accounts these vessels are limited both in terms of noise level and the range of their missiles meaning they have to range far into the Pacific to place the continental United States at risk. Even if these vessels are given accelerated retirements in future (say 20yr lifespan) that's still a lot of resources and crew to tie up in the present, reducing funds available for R&D.
One reason is probably because PLAN knows some nuclear deterrence at sea is better than none. There's also the fact that they need experienced crews for future SSBNs and it's better to start now, even if it is on less-than-optimal platforms.
Another reason, is regarding the JL-2's range. A few months ago there were a few CCTV interviews and write ups from a few state media outlets that JL-2 might actually have a longer range than we thought, with range more akin to 10,000 km than 7000-8000 km. That would obviously be enough to hit the western contus from within Chinese territorial waters. That is to say, 094 with long range SLBMs would be a valid deterrent. The key question is what JL-2's actual range is. The fact that PLAN is committing itself with a decent number of 094s says to me that those SSBNs are either carrying missiles that can realistically reach CONTUS while in safe waters, or that they have been future proofed so SLBMs developed in the near future with sufficient range are able to reach CONTUS.
We know a JL-2A project of some kind exists from the plaque describing 032's test missions a year or so ago. JL-2 is based off DF-31, so I suspect JL-2A could leverage DF-31A technology to increase its range as well.
Edit: just checked the original post over on CDF. The plaque itself didn't mention JL-2A but associated text when the picture was first posted on chinese BBS mentioned it. Either way, I don't think it's unreasonable to believe a longer range version of JL-2 is under development, or that JL-2 itself may have longer range than commonly circulated
Edit 2: yeah the original 10,000 km thing was from an interview with rear admiral yin zhou, saying that Chinese standards for ICBMs were missiles with ranges greater that 8,000 km, while "long range missiles" were considered 3,000-8,000 km, with the insinuation that JL-2 or a JL-2 mod has a range at least greater than 8,000 km and a suggestion it has a range of 10,000 km. Take it for what its worth.