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?