I ended up taking the gap year (I wasn't where I had to be academically during my senior year) and a lot of the worries you have about finding a job in the meantime ring true. I'm not sure how much you've done throughout undergrad that might make starting a career feasible, but it's pretty tough to search for jobs and work on applications, not to mention searching for jobs and, as you said, lying about a professional trajectory that you don't intend to follow-through on.
I would definitely speak with your advisors to see what they think about applying this Fall. It would likely involve a lot of work over the summer, but imo it's absolutely worth it if you know you want to go on to grad school and know what your areas of interest would be.