I think I would seriously consider the SAC too. I think overall it would work out cheaper over the course of the new few years, declaring your speeding fine on your insurance. Plus, you then know you have a totally clean, earned license.
Many insurers ignore the first 3 points, and you have to declare having been on an SAC in many cases now too. It's more efficient to use your chance of an SAC after you already have 3 points.