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Light spoilers:
Then just make sure to not take a very stupid option after one of the palaces. (6th I think? Casino one) And make sure you don't stop before the story makes you during the stuff after the following palace. (The Ship) - if you're afraid you're going to screw it up somehow - make backup saves around 11/18 and 11/23 if my memory serves me right on things (a couple days before each potential finale)
Also with the three real endings (non-game loss ones - there are a few special game loss ones apparently too) I know they basically force you to make a hard save ("OMG! BIG STUFF HAPPENING IN A SEC, YOU PROBABLY WANT TO SAVE!" message with a Y/N toggle) before you make the decision that can result in Ending #1, I forget if it did similar for Ending #2 however, and then the True Ending obviously doesn't really need one. Ending #1 is around mid Nov, Ending #2 is Xmas day, True Ending is into the next year some.
They're all "cumulative" endings anyhow though hinged off a single decision that immediately impacts the game - so its not like some games where you've got to play all the way through to see all the endings. You could easily save, see an ending, reload - replay about 2-15 min of stuff and be working on the next ending.
To my knowledge only two things require an actual replay - one "secret boss" (that's not remotely secret to anyone who played P3/4 since it follows the same concept as their secret bosses) and creating one final persona, Satanael. Everything else can be done in a single playthrough including seeing all the endings (with some small save reloads as stated above).
Ok cool thanks