I didn’t read through everything above, but what I did read sounded like good advice. 1) You’ve paid, so you won’t get your money back by not taking it, and you can’t roll it forward either. So no financial incentive to hold off. 2) Even if you don’t pass, you’ll get useful experience and knowledge by experiencing the exam under test conditions and learning how you handle that pressure. 3) Many people feel they are underprepared for the exam come exam day. I certainly always felt that way. Only you can really know whether you’ve put in anything close to the time required, but there’s always the chance that you’ve absorbed enough to pass. So basically, the only reasons not to take it are: a) you’ve decided to bail on the entire program and won’t try to do it again, or b) there is something sooo important for you to do on that saturday morning that it isn’t worth the experience you’ll get doing the exam. Good luck!