Rising Jr—Gap Semester/Year and SA 2021?

So this has already been asked, but I wanted to bump the topic. I'm a c/o '22 rising jr from a semi-target. Given that I still haven't won an offer, all the COVID uncertainty, and my school insisting on having in-person classes, I'm pretty sure my school is doing this to take our money then kick us out and not refund any tuition/housing/board. I simply don't think that this is worth spending my college savings on.

Couple questions:

-In generally, do you guys think a gap semester/year would be viable?

-If yes, which do y'all think would be better, gap semester or gap year?

-There are still a couple target BBs recruiting and I've been networking hard for them. However, they will be recruiting after the school year starts. If I take a gap year and then win an offer from one of these banks, can I just SA 2021->SA 2022->FT 2023, or can I just get pushed to SA 2022. Or will I be dinged because of a gap semester/year?

-What should I do during the gap semester/year. Just a remote internship (my hometown is still quite locked down) or something else?

 

I asked my (target) school's recruiter this exact specific question.

Edit: lmao why the MS? I had this same questioned and e-mailed recruiters at 3 BBs, only the BoA recruiter responded

 

why not just sign up for fall semester and continue recruiting. If you don't end up with anything just don't enroll in the spring, and then you can rerecruit for 2022 SA, and defer your grad by a semester

 

say that you tried learning under corona circumstances in the fall and didn't think it was worth it to continue doing so in the spring then. There's no way schools will be back to normal in the spring.

 

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