Let me offer you an instructor's perspective:

Just based on what you told me, if you came up to me and asked for an
endorsement I would give you one. If you think you're ready - you're
ready. I've given written test endorsements (for private, instrument,
commercial, and instructor) to everyone who has ever asked. Never had
one fail.

In fact, I've never seen a person who actually prepared and studied and
took practice tests, and then wondered if he was ready, ever fail. Not
once. So go take it already.

Michael