I'm in the second year of a master's program and I'm considering taking a year off before doing a PhD. I am excited to do a PhD and have some idea of what I want to research, but I am not sure if jumping right into it would be beneficial. The main reason is, simply, I've been in school my whole life and have felt pretty burnt out at times in the master's. I'm not sure I could start the coursework/proposal/thesis process all over again right after finishing my master's. The second reason is I'm switching to a new discipline (but still in the social sciences) and feel that a year of independent reading to acclimatize myself to the discipline would be beneficial, without the pressure of constant deadlines and assignments.
Are these justifiable reasons for taking the year off, or should I just jump into the PhD? I'd hopefully be working full time, working on applications for universities and scholarships, and reading lots. I'm also a bit concerned with funding - would scholarship committees be more skeptical of applicants who take a year off before the PhD?