I watched someone really close to me wrestle with this exact thing, and what stuck with me was that the actual gap year wasn't the risky part - it was what happened during it. They deferred because they felt exhausted and unfocused, which made sense. But then they spent the year kind of drifting, working retail, not building anything new. When they finally started university a year later, they weren't magically more ready. The deferral itself didn't hurt them, but it also didn't solve the underlying problem, which turned out to be more about anxiety than actual unreadiness.
Here's what I'd actually dig into: Can you name what "not ready" looks like in concrete terms? Like, are we talking about needing to improve your academic skills, sort out mental health stuff, figure out what you actually want to study, or just feeling overwhelmed by the transition? Because those need different solutions. Some of those genuinely benefit from a planned gap year where you're doing something intentional. Others just mean starting university while working through them - which is totally doable and honestly what most people do anyway. A year of sitting around hoping you'll feel better isn't the same as a year of working toward something specific.
The momentum thing people mention isn't really about the calendar. It's about whether you're moving forward during that year or stuck in place. If you deferred and had concrete plans - whether that's working in a field related to your studies, volunteering, building a skill, anything with direction - that's different than deferring because you're not sure. Start asking yourself what you'd actually *do* with the year if you took it. If you can't answer that clearly, that's probably your signal to just go.