I moved out of my parents house before I was 100% financially ready. I was willing to accept that burden because to me, I was not willing to live at home anymore after doing so for one year after college. A coworker and I rented a two bedroom apartment and each of us paid 450 a month in rent. With utilities, we ended up paying 550 a month when all was said and done.
Dont focus on continually buying toys, focus on moving out, IMHO. You say you have the cash for a down on a place,, and you might go back to med school, you say all these things, but you are still just hangin at home.
Branch out. Its time to just spread your wings a bit and take off.