...employability vastly favour the 4 year courses.
Never a truer word spoken. You will also go into your 3rd year better prepared, and it is a chance to get some cash.
Gonna write this quickly, but look at the next 5 years.
Give or take,
You have a choice of:
B - Study, study, study, job, job --> more jobs
or
A - Study, study, job, study, job --> more jobs
Up the scale, you see you will only ever do more jobs, it's
never
gonna change, so with tough economic times (I'm back on dial-up),
let those money shaped storm clouds ride themselves out and
you just get some experience,
down go the payments on that speedboat you've been eyeing up.

Another thing is that you may realise that you want to change your direction with regards to the jobs you look for, which is going to be hugely beneficial when you leave and need a job. There are so many more positives. At the end of the day, you are going to university as a pathway to the working world, so utilise it and increase your chances as much as you can.