Deciding on a third, and soon. Haven't taken folic acid. Is this a deal breaker?

Me and the husband have been wavering on a third for a while, and suddenly feeling pretty good about it. I obviously haven't been taking folic acid, but realistically timing wise the sooner the better for us. I'm a little loathe to wait the recommended 3 months to take it.

How much of a deal breaker would that be for you? I have a pretty good diet on the whole anyway.