My school allows us to graduate early (finished up last month). I'm definitely taking Step 3 prior to intern year. I've got pretty much nothing else going on until July and no money to travel (not even really sure where I would go since travel is so restricted still). My thought is that intern year is going to be super intense, and the last thing I'm going to want to do at the end of a grueling 12+ hour work day is Uworld or Anki (and I definitely dont want to spend my one day off every week studying). Moreover, having an extra 5 or 6 hours every week free during intern year to exercise, spend time with my SO, go out to dinner, etc. without this exam hanging over my head feels like it will be worth way more than me just playing video games for the next 3 months (and forgetting the bulk of my medical knowledge).
Right now I can study for 6 or 7 hours a day, work out for an hour or two, cook dinner, and still relax in the evenings, watch some TV, read non medical books, etc. It seems entirely manageable to study for this exam for 2 months semi full time right now (while a lot of the information is still fresh) and is probably substantially easier than waiting until the busiest and most stressful part of my adult life (intern year) to study and take it.