I don't mean to steal your thunder, but you have to understand that decisions will be about to go out before your application is even complete. Many schools will have been interviewing for two months at that point. By no means do I think you're screwed, but being complete in late September or early October will be especially harmful to your app if you're an average applicant. Interview invites going out in October will likely be for November and December dates, which isn't going to leave with you many more opportunities to get invited for most schools.
If you have the money, then apply - who knows, maybe you'll be successful. I agree that waiting to apply STRICTLY because of this is a bit over the top. Don't let a few positive stories distort reality, though. The deck is stacked against you if you're an average applicant and applying that late.