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Dear aspirant,
In my opinion taking a drop is an extremely risky and courageous decision to make. If you are absolutely confident that you can take the fourth drop and crack NEET, go for it. No, it is not late just because you are a girl. Even though, it feels like it, there is no rigid timetable that everyone has to follow, we all can live life according to our own schedule.
In the drop year make sure you have enough support system to motivate and help you when you are low. Take care of your physical and mental health, think well before taking a drop but if it's something you absolutely want to do, go for it.
Hope this helps
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