Few things to consider:
1. Is the .01 GPA points worth $8,000? (not counting $ that could be made working full time)
2. You should be able to beef your extracurriculars up a ton by not being in school - you can work in research, clinical situations (scribe), volunteer a ton both clinical and nonclinical. Without school/homework you should be able to add a ton to your extracurriculars over the course of a year
3. If you arent in school just push the MCAT back a bit. It really doesnt matter when you take it provided you get the score back with ample time before May/June.