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As Jim said, the mostly likely outcome of talking with the prosecutor would be a downgrade to unsafe driving. As Jim said, this will cost a lot of cash that needs to be paid the same day. It's a hair under $500, but compare that to the $3000 increase to your insurance over three years and it seems like a lot less. It's better to have no points.
I'm not advising you; I'm not a lawyer but I've been in municipal court enough times to have seen this happen. Jim brought up a good point: A lawyer is always a good idea if you're looking to protect your livelihood. It may end up costing more money to hire a lawyer who tells you to go for unsafe driving. Choose the lawyer carefully.
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