This was me last year. If you like, you can check out some of the advice I received here: http://chronicle.com/forums/index.php/topic,178123.0.html
In my case, I was long-distance from my spouse and preferred to close the gap over picking up various part time gigs somewhere a flight away from home. The results have been mixed, but overall I don't regret my decision.
Basically, I obtained a research affiliation with a major R1 university in my area. This gave me library privileges, access to campus events/workshops, and office space. The affiliation is unpaid, but as part of a campus research cluster I became eligible for paid speaking engagements both on campus and within the community. I also got access to travel funding to defray the cost of conference travel. I don't teach courses, but I have served as a reader on a couple of undergraduate theses here and received small honoraria for those.
Most importantly, the gap year allowed me to make substantial progress on the book, write and place 2 articles, and to bulk up the CV with speaking opportunities. In the end, it has been more productive than teaching pick-up courses as an adjunct or VAPing across the country from my spouse.
The gap has not harmed my returns on the market, but it has not helped, either. Basically, I'm facing two offers for VAP/postdocs in places far away from my spouse. So I'm back where I started on that front.
I would recommend looking into affiliations with R1s in your area. If you find one that is a good fit and you can afford to take the year off, maybe that's what you want to do.
But a couple things to consider: what is the balance of research v. teaching on your CV? Do you have ample (read: more than your co-applicants on the market right now) classroom experience? If you take a gap year, your teaching experience will not appreciate and this could, in time, disadvantage you.
Also consider how you would describe the relevance of a gap year in future cover letters, in interviews, etc. Can you build a narrative around this time that makes it the logical 'next step' in your professional development? The goal here is to make choices about whether to affiliate, with whom, and whether to forgo teaching opportunities with a guiding narrative about why time out of the classroom is not "time off." You might find this narrative useful when you apply for jobs next year.