This, 100%. Only difference is I knew exactly what I wanted to do, and during school I was swamped with extracurriculars, research jobs, and my honors thesis. However, I still found myself pressed for time with another year. The work experience though, is extremely helpful and helped me realize that I really love school and want to dedicate the insane amount of years it takes to get a PhD. Student loan repayments suck, but it's helped with money management which is something that will be needed when going through graduate school. Luckily, I found a job in academia so they are very supportive of me having interviews and working on applications.
Another interesting part of taking a year off: I thought I'd settle into the working world and wouldn't want to get out of that comfort zone. However, in my research job I find that working with these populations I have a LOT of questions of my own and get frsutrated that I can't do that much with my bachelor's degree. So in a weird twist, it has motivated me to go back that much more because I realize just how much I need PhD to really do the research I want to do. It's pretty reassuring to have that happen, as it solidifies the decision to go back. But this poster above lays out the pros/cons really well.