I finished my undergraduate degree in May 2014 (I didn't want to apply until I completed my senior thesis and I am currently working at a non-profit law firm. I felt like working in another field history majors go into would help me ensure that getting a PhD was what I wanted), so yes, basically applying straight out of undergrad.
I think you bring up a lot of the points I was thinking about. I could handle the financial burden of living in Chicago for a year - I just don't want to risk not getting in anywhere the next time I apply if that makes sense. I applied to quite a few of the top ten schools this round and was rejected from all of them, so I have to wonder if a MAPSS degree will cause them to change their minds.
Thank you for the reply though. I definitely won't make a decision until I visit programs, but any advice, especially from multiple voices, is helpful.