While unexposed film will keep well for several years in the 2-4 degreesC range, exposed film will depreciate very much more quickly, especially if not refrigerated.
In fact, I have never come across any credible authority suggesting that film had much a a shelf life after exposure.
I guess whether you gamble with the cost of development depends upon how important the images are to you.
And, certainly, putting it into a fridge now will not reverse and deterioration that has already occurred.