unless you get incredibly lucky, academic career is all about having a research interest and a track record that can lead you to have independent funding. as someone above said, it is likely a little late in the game. i am not sure i understand your reservation against an extra year. most places that offer these fellowships are big enough places that will run just fine without you. on the other hand, it is a difficult choice to stay an extra year at fellow's salary and move (with a possibility of another move in a year), but that's the price you pay.
also, 'academic career' is a fancy word that gets thrown around a bit too much ( i am not going to presume that you are for it or not), but many fellows i know wanted to be an academicians only until they realize i) difficulty in getting funding, ii) pressure to publish, and iii) huge pay gap between academics and PP. you have about some 8-9 months to figure things out. by the time you are a third year, you will need to start looking. it would be advisable to know what direction you are taking.