I'm not sure how to best answer your question. I purposefully left out a lot of information about myself to make my original post a quick read.
I have gone through the MSAR and ranked the schools that I plan to apply to based on my currently available stats, cost, and location. I have ensured that I currently meet all course requirements for the schools that I plan to apply to. I am comfortable with my GPA and have a decent amount of work, research, and volunteer experience. I know that going forward I will be required to complete the AMCAS application and secondary applications. I know that this will also involve multiple letters of recommendation and a personal statement. Luckily I have lined up letters of recommendation. The personal statement will take me some time. But right now my major concern is the MCAT. I'd rather not rush as well, but I was hoping to start in Fall 2021.
I see that MCAT testing will reopen for registration on May 7th and offer exams from May 29th to September 28th. I feel that I could prepare all of the application materials and take the MCAT within this time window. Obviously this doesn't leave me the opportunity to retake the MCAT if needed, and I would be working against the clock. If it is reasonable possible I would like to make the attempt. Although I understand it may be beneficial to take a gap year (which I am not fully opposed too). However, I was wondering at what time point it would no longer be recommended to apply in a given cycle. Hope that makes sense.