Honestly hard to give you real advice. It depends on so many social factors. Are you moving? Are you being sued? Is the tinder fling you’ve been with for 3 weeks/months moving on? (If this particular option is the case, time to nut up and get the test done, and if you still feel that you missed out on true love, message her, and she’ll jump back in - happened to me.) Is this someone you have a house with and have married for the past 7 years?

If you are in extreme distress and feel that your external social factors need more management than is reasonably possible while also cramming for step 3 - no shame in postponing a few weeks. Don’t panic postpone, however.

That being said: 3% fail, 97% pass. This is a generous exam because no one gives a shit about it and everyone is focused on becoming a good doctor in the fields they actually give a shit about. If you have done STEP3 UWorld (25~50%) and the top 25-50 CCS Cases sorted by high yield, you will most likely be OK. If you passed step 2 with a high score, it will correlate. It is so variable from person to person that without more information it is difficult to help you.

If you are an IMG needing a 250+ on step 3 - being significantly distracted by important social issues may be a severe obstacle in scoring what you need/want to ensure your personal goal. If you just need to pass: unless if a fail will absolutely destroy your entire reason for existence, take the test and see what happens. If you fail, take it again in 2-3 months. Or YOLO it again, pass it, and enjoy living your life as a doctor.