Hmmm...interesting question and a tough one......

I can tell you this.... having just soloed a few weeks ago.... flying is VERY different than I thought it would be.... I plan on staying with my trainer for a while.....

Some people "get it" quickly...others don't....

IMHO I would wait until you have flown to make the decision as your goals may change.......
but a 4* is nice as a second....

Why no flying until spring???
Call up the instructor at your club...buy him/her some lunch and go to the field!