OverambitiousNub

Hi all, So, I'm looking at chemistry grad schools (Theoretical Chem?), but my GPA is lowish - 3.63 at the moment, and likely to descend further after this term. (3.4 at worst. I made the grossly foolish mistake of thinking that I was some sort of superstar and could take 20 semester credit hours. Ouch.) Got a 640V, 800Q on the GRE. I should be published by Spring 2012 in my degree mill's (Is U. FL a degree mill???) undergraduate journal (just got the research scholarship award last week, have a topic I'm excited about and an awesome adviser). My Chem GPA is perfect right now, it's just I have this masochistic tendency to take hard courses outside of my area - will this impact my application super negatively? Oddly enough, despite the perfect quant score, the low grades are all in upper division math courses. Should I graduate early in 2012 with a lowish GPA, or stick around for the full four years trying to boost things and add accolades? All these sub 3.0 GPA people seem so much more... Cool, for lack of a better term, so now I'm facing worries on both the robot 4.0 front and the inspirational sub 3.0 group? Thanks