it's good to go for a 4 years programme. participate in overseas exchange, join CCAs instead of just spending all your time studying. u will be spending the next 40 years of your life working, so no harm having an additional year studying. nowadays, the year you graduate is also important. imagine graduating during an economic downturn year and u may spent 1 year searching for job instead of doing something constructive.

essentially when u go out to work, your interpersonal and communication skills will make you stand out. i have classmates who graduated 6 years ago with first class honours are just analysts now with average salary. while there are classmates who graduated with mediocre honours (second lower and third class) but were exceptional communicator as they learnt through their CCAs in university are managers now.

you have a choice in life. what you hope to be in the future is determined by what you do now.