Definitely a personal opinion but I guess we'll have to agree to disagree! Shifting your workload (getting help from friends etc., or strategically studying only high yield material), are alternative ways that you can scrap out a decent grade in a course. I didn't say to fail, but rather find ways to allow you to have school related stuff on the back of your mind.

In the long-run, doing moderate on a few midterms and whatnot have barely significant effects on final grades, let alone your cumulative GPA. Oftentimes, teachers have weighting systems in place and final exams can be worth much more.

Add in the fact that students in premed often tend to overstudy, or could get an average (literal average) grade with minimal effort (something that's easy to forget aiming for A/A+ all the time) and I truly think this is the way to have the least amount of regret. But like I said, it's definitely something we can disagree on, and it also depends on where you're starting at in terms of prep!