FWIW, there are other grant mechanisms to fund a research year(s). There are foundation grants. There's the NIH F32 which is basically an individual T32 (i.e. pays salary for post-docs/research fellows in programs that don't have a T32). You should also poke around your institution to see what T32s there are whether you could swing your research to qualify for them. T32 directors need their spots filled up in order to maintain the grants at renewal time. As long as you can spin your project to sound relevant to an existing T32, you might have a shot at one. Look at the basic science programs too, not just the clinical departments.
While you'll still get paid at whatever your PGY level says you should, there are huge benefits to having your own funding.