I will preface my thoughts with I emphasize with your conflict. I have a ds in kindergarten.
Is she bored? Have friends at school? Enjoy going? What will gifted services look like after Cogat next year?
We are shelling out the $ for private testing, but my ds fights us going to school everyday, doesn't have any friends- atleast none he wants a play date with, has crazy crying when he comes home from school, and ask when will he learn something at school. We need help. Our ds needs help.
In saying all that, we thought long and hard before seeking outside help. Yet, we're happy we did. (Still in the process though, so we don't know how things will go. Although, ds really liked the tester, and the tester requested more time.)
However, go with your gut! She is your child. You know her best and what situation she will thrive in.
Keep us posted!