Do remember that schools can always go back, take a second look at your grades for whatever reason they may deem as appropriate or as per necessary, and readjust things according to what they see.
For example, if you decide to change your major after hitting grad school, guess who may want to see a copy of your transcript from undergrad? Oh, yes, and you'll have to give them the most recent example possible, which would include your GPA as you were leaving. And there's a good chance that if your grades are only borderline decent in grad school to maintain that scholarship your school will look over your undergrad grades as you were leaving to compare and, hey, look at those grades!
Don't be a schmuck. If you're paying in any way for your education put in the few extra days of work so you don't open up the possibility of your ass getting kicked around in the future. Not saving those 20 hours now so you can have more doors open in your grad school future will probably save you a hell of a lot of headaches.
People these days...
the tests.
