If you think you're ready to take the test, then take it! Besides the ARRL/W5YI/Bash study guides, the on-line practice tests are also very useful (QRZ.com, for instance). Combining the on-line tests and the study guides is certainly worthwhile, gives you some indication of where you 'stand'.
Considering the time of the year, if you waited till next year the wait isn't going to be very long. But, if you take the test(s) tomorrow, you'd have that license before next year.
Do it!
- 'Doc