By November 1st (I’m going to cast a wide net on this one, since ‘late’ is open to interpretation), Japan has been embargoed by the United States, and FDR has already declared his two ocean navy program. Japan historically, and in this scenario, feels that acting quickly and decisively is its only major way to preserve its empire, including shaky gains in China.
One problem here is that FDR doesn’t necessarily want war with Japan. FDR is gravely concerned about Nazi Germany, and the scenario gives him zero knowledge that Germany will promptly declare war on the United States after Pearl Harbor. Obviously, Pearl Harbor and the Far East can be put at high alert (and this probably causes Japan to suspect some kind of infiltration of its secret communications)
FDR could, potentially, give Japan a small way out and avert Pearl Harbor. Something like switching the embargo to a duty on oil exports might be enough for Japan to call off the campaign. This may be more likely if FDR decides to inform Winston Churchill, as the UK wasn’t spoiling for a fight with Japan here either.
Military Preparedness at Pearl Harbor isn’t going to stop the Pearl Harbor Bombings. Ironically, trying to sortie ships to attack the IJN could lead to the loss of US Carriers; it is ultimately those Carriers that won the war in the Pacific. I suppose there are questions about how much knowledge the US has about the intended attack on Pearl; obviously, jumping the IJN’s own Carriers would put the USN into a dominant position where Japan may be unable to seize the Dutch East Indies. The opposite scenario, where the USN has several battleships it lost at Pearl Harbor but has suffered losses in Carriers, could potentially be worse than historical.
Now, we shouldn’t exaggerate the scope of this either; the US Navy will gain superiority in Carriers in 1943 or 1944 by dint of production. But this is a grossly different Pacific War; Japan probably gets stalled in Mainland Australia or India proper–either of these scenarios almost certainly has knock-on effects in the Middle East and the rest of the war. If ANZAC forces are forced to redeploy to defend their homes, does the Africa Korps have enough to prevail against 8th Army and take the Suez Canal? If Japan decides to make some kind of play for an ‘Independent India’, does this create another meat grinder that the Allies are forced to divert resources against?
If the USN is able to jump the IJN Carriers, this advances one critical military operation: D-Day.
MacArthur basically delayed D-Day because of the large amount of resources being diverted to prevail in Guadalcanal. But there’s no Guadalcanal campaign if the IJN can’t project naval power. D-Day would be attempted in 1943. There would be no Italian Front–and perhaps the Western Allies make more progress in Liberating Europe if the Soviet Union isn’t able to cover as much ground. D-Day 1943 has its own risks, but Germany is itself tied down against the Soviet Union, and the Western Allies probably get more out of this campaign than the Italian Campaign.