My grandpa was a great card player and he always said "A bird in hand is worth two in the bush". If you don't think your chances are reasonable, why would you risk the success/happiness of your kids?? If you <<chokes>> "Loooove Ortho" (<-hate that stuff), then you're probably an idiot if you'd put that ahead of your family if you're really live-or-die based on a year of not having a job.
Most folks I know liked several specialties, and it's weird how some qualities overlap. For instance, in many respects Orthopaedics is a jack-of-all trades discipline, just like Family Med can be (if you're GOOD at it). If I'd missed out here, I'd be the crackerjack PCP in a posh community which, as much as I hate to say it, may actually end up doing comparatively-well in the new HObamacare system.
Most folks on the forum know I don't say this very often, but your chances appear slim. At my program, there's a soft cut-off of Step1=230, so unless you're the firstborn son of our PD, there's essentially zero chance you'd even get an interview. It's not an elite thing, it's a numbers thing. Just saying...
I'd welcome rebuttals.