Further Math, Yes or No?

The pressure is on, whether to take or not to take Further Mathematics as an optional 5th subject for Form 6... There are pros and cons to be considered before I make my choice...

Pros:
- Useful when I enter university (planning on Actuarial Science).
- A good tuition teacher that possesses great knowledge on that subject.
- I'm interested (if not, why bother....)
- Back up in case I screwed up a subject (any memorizing subject I'm not gonna do well for sure...)
- Some of my friends are interested too (so people wont pick on me on being nerd or something...)
- Gonna be applied in most jobs available.

Cons:
- No lessons on this subject during school.
- Good tuition teacher, but overly charged fee... (RM 90 per month, COME ON!)
- Need to drive to his place for tuition...
- Need a lot of time revising to score.
- Hard.
- CGPA counts 4 sub only (if I didn't do well, 1+1/2 years wasted...)
- Hard.
- Har......... have I said hard?

Pretty much the Pros and Cons balanced up, which makes it EVEN harder to decide. No use asking opinions, tuition teacher sure gives a 100% yes, seniors sure give 100% no, others will say up to you, including my family members....

Well, I would like to ask a favor of you fellow readers, please leave a comment on whether I should accept the challenge and take the subject, like a brave hero, taking a huge risk or just forget about it, like a safe citizen using the safest route but no harm will fall on him?

Comments are much appreciated, thanks (no poll made, considering not many people are visiting here, comments are much more meaningful).

Signed off,
Teng Aun.