I decided to take a year off for many reasons. First, I tried studying during winter semester this year while taking Orgo I, Physics I, a psych class, duing an independent study, voluntering and the kaplan course. I really tried, but it was hard not only because kaplan expects to study 4 or 5 chapters from Thursday to Saturday, which I could've done if I wasn't taking any other classes, but because I hadn't taking Orgo II, or physics II and was just learning orgo I and physics I, which was kinda suicidal. Also, thanks to the fact that I took summer classes since I started I need 3 years and a half to graduate, not 4, so I can easily take winter semester off next year to study for the mcat, then take my last classes during the fall and then only have about 8 months free, not a whole year. Also, taking another year to apply would allow me to be a better applicant by giving me the chance to volunteer more, do more research, etc. And the time that I will have free before starting med school, I can use to do other stuff I like and prob won't have time to do later.
Believe me, I didn't want to take another year, because I felt like I was losing time, but after talking to advisors and consulting it here in SDN, I realized it was the best option for me. Hope this helps!
sorry for the long reply.