Delay graduation for SA or try for FT?

Currently a junior at a semi-target, landed a lower MM offer for 2021 summer and have a boutique IB internship under my belt. Considering delaying graduation for a better chance at  SA recruiting in 2022. Financially I can afford this extra semester if it means I will get a better offer at a better firm. 

Has anyone done this? What would people recommend?

 

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