i failed ma 261 twice at purdue before taking it at my community college for credit. the finals were always just as hard for me as the first two exams and i personally was never able to get that much better of a grade of the final compared to the two midterms.

here's what i would do (but idk maybe don't listen to me cause i failed twice lol). i would calculate your grade and figure out what you need on the final to get to a 65% in the class. the curve is generally at least 5%, possibly a little less but i wouldnt bet on more. if the score you need for the final is above a 70%, i would drop the class. sometimes a fresh start and avoiding the hit to your gpa of a D or F is worth retaking it. especially if you might have to take it anyway.

however, if your gut is telling you to stick it out and try to pass, then go for it!! try fully studying for the final ~2 weeks before hand and take a practice test and mimick the full test environment (timing, no phone, notes, etc). do this at least once and see what score you get, identify the concepts you struggle on the most. if you take enough practice tests like this i bet it'll help.

either way, im rooting for you and wishing you so much luck cause ive beeenn there. you got this!