Well I guess s*** happens mate. Time to learn a lesson and move on. I would be more than certain that this once valid loophole has now been solidly closed ever since discussion of it occured. This loophole was mentioned on ACA or TT some time back, and after that, I would be definitely sure that it no longer happens. Up to you mate. Personally, in a situation like this where you know the option to choose letter is going to be on it's way, I'd be aiming to get it over and done with as quick as possible. For me, that would mean paying the fine ASAP so you can start counting the days till you get your licence back. If you can trust yourself enough, take the 1 year GDB. You learn quite a valuable lesson from it, but that said, the suspension teaches you a hard lesson as well. If you can manage to go without a car for the suspension length though and/or you can't trust that you will change, then the suspension would probably be your better option.