Why would you assume there is a "sufficient" engine technology when no one else has demonstrated credibly what a 6th gen would be like? That seems to me uncharacteristically unconservative.
Because there are no indications that there is any 6th generation fighter project in the world that will have three engines, in what would be a huge deviation of design trends that is not something that would be omitted even in speculative concepts or early stage contractor models or program visions.
Two engines remain very much the null configuration -- if J-XD ends up with three engines, the natural assumption should not be that "this is a superior configuration" but rather "why did they have to choose this configuration".
The implication of them not being able to get the job done with two engines is that there's something about the J-XD that no other twin engined plane design can suffice.
That view would be reasonable, if we had evidence that PRC aeroengine technology has been demonstrated to be sufficiently competitive/capable with global peers.
But we very much have not yet reached a point where we believe or can assume PRC aeroengine technology is so comfortably qualitatively competitive with global peers that they are qualitatively to par at this point or in the immediate equivalent time point future.
Or to put it simply -- the idea of having three engines is not necessarily a sign of increased capability, if anything it would more likely be a reflection of a degree of technological backwardness.