... fair enough, but ...
......well, it's entirely your choice. But ... as I've ALSO already pointed out ... it can be a bit of a hassle
and, for the sake of a few months, surely it's worth waiting a little longer.
Besides, holidays in European countries don't come cheap - in spite of there being no charge for the Schengen Visa itself - and you would want to have adequate spending money while abroad.
Let's face it, you'll have to lay aside sufficient funds to cover the price involved [roughly £1,000] in applying for Citizenship.