You probably won't be stopped.
If you are pulled over be pleasant to the lads in blue - they have a few options - "that's fine sir", "go home" or (probably unlikely) "where's your credit card".
OTOH - if the government have allowed extensions to MoTs etc why get it tested. If you know something serious is wrong don't drive it. If you take it for an MoT and it fails you will possibly not be allowed to drive it (insurance may be invalidated) and need to get it fixed - more of a problem in lockdown.
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MoT dilemma – best option new