I was in the same position with a decent Step 1 score without motivation to take Step 2. It hurt me when I did not have a score at the competitive places you're likely referring to. Yes, the pandemic...but this is Step 2 CK, not CS and the centers are operational. Now, what I don't know is if a poor/average score (230-240 keeping in mind 210 is passing) will hurt you. Best to ask a PD because applicants have only been in one situation or the other and obviously can't compare outcomes.
My inclination is that if you have a great Step 1 and are really stinking up your CK practice tests (I'm talking below 230) then I would consider holding off. If you think you can scrape by with at least an average score within margin or error, I would go for it. Also, I'm sure you know this given the timing of your question but in case you didn't look into the logistics already...Prometric shuts down in late December for the holiday season and reopens in mid-January. Specifically at my "go-to" site (not applicable to all places) their last day is December 21st and they reopen January 19th. Unless you've studied for a while already, I would not recommend December 21st so then January 19th is the earliest to take it. February 26th is the ROL deadline this year. In my experience with getting results back, you'd probably make it by a week not accounting for delays. If I were you OP, I'd make a decision within the week and lock in a mid-January test date if needed. Also if you decide to take it I would send the programs you're interested in an update saying 1) any pertinent updates you didn't feel were worth sharing before 2) BTW my CK is coming, I'll have it in by ROL deadline barring any delays. That way they will know that when the application committee meets and discussed ranking.