Spot-on, M-A - you don't have to have a current passport in order to apply for naturalisation, so unless Camelia has travel plans between November and March, she could just let her existing passport expire without replacing it, and going through all the other hassles.
I think the point of mentioning "passports" in the AN form is to make sure that people submit all passports covering the five year residence period, so that the Home Office can check out the various date stamps, to make sure that the residence requirement is fully met.
paul