Let me get this straight...
You are IN the fourth year. So, you'll have ONE SEMESTER left to finish the degree and put it behind you after this one, eh? This semester ends in another 6 or 7 weeks.
Okay, I've been around the block a few times. Got a few degrees. But first I dropped out of HS, later dropped out of college, eventually had a fulfilling career in education, and moved on to some other things.
If you were in second or third year, I might say 'sure, take a year off'. But man, you are SO CLOSE. And there is NEVER a guarantee about going back. A lot of things can and do happen in a year. I have seen it happen to many, many people for many, many reasons. I took a year off with only a year to go, too. I finally finished that first time 'round 10 years later. I've seen it with others, as well. There is no predicting and no promises.
Since you are so close, I say finish it off. You will never, ever regret having a degree on your resume. If you absolutely cannot stand the idea, how about registering for just one course next semester? Keep you in the system, and moving towards completion.
Good luck!