While the latter is risky, failure likely to result in some criminal penalties, the former is a very healthy solution. Being Americans, ( i.e., lazy, looking for the easy, enjoyable way out) many people go for a third option: the opportunity to have dinner (and drinks!) while listening to tedious lectures. You then get a certificate attesting to your increased cholesterol levels to send your insurance company and state DMV, and you're down two points.
Or you can be like me and keep putting it off until the points expire all by themselves.