Dear student,
98.2 percentile in JEE Main is a good percentile for you. This percentile can get you a rank around 16k to 17k. This can get you some NITs like NIT Trichy, NIT Patna, NIT Sikkim or IIITs. It can also land you specialisations like CSE or ECE at IIITs. See the opening & closing ranks of JoSAA counselling Round 1 to get an idea. So we SUGGEST YOU TO NOT TAKE A DROP and go forward with the JoSAA counselling process. In case you are not satisfied with the allotment and believe you can do better next year, then you can take a call after the allotment process.
To help you here are a few resources:
GOOD LUCK!
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Document verification date and place we need know.