I've been accepted to a T6 with scholly money (a little more than 1/3 tuition for 3 years, no grade requirements). Recently, they asked if I wanted to defer, and said I could keep the money if I did (plus they'd add a little more for potential tuition increases, etc.). Now, my goal way always a T3, but I've struck out at two and have been waitlisted at one. I'm assuming that this was mostly due to my lsat scores (same score- 166 - on two tests), which never rose above my diagnostic.
So, my dilemma: Part of me thinks I should take the deferral and study hard-core for the October test. If the score goes up, retry for the T3. If it doesn't change, stick with my T6. The pros:possibly a better school, eliminating that feeling of "what-if", having some free time; the cons: if my score doesn't change, and I can't get a job (current one'll be done in June), I'll have wasted a year. If my score does change, and I reapply, I still may not get into a T3 and I'll have lost my T6. Also, I've already taken a year off, and not having anything lined up for the next year makes me nervous (I'm that type that always has a plan).
Sorry this is so long, any advice/feedback offered is greatly appreciated. I need to make this decision in the next 4 days.

edit: Decided to add a poll, thanks everybody!