Everything is fluid right now.
It’s not even clear IF medical schools will be able to start classes in July. With clinical rotations cancelled for MS3-4 students, students may not have the LCME/AOA mandated number of clinical hours required for graduation. I can see med school suspending educational operations for a semester or even a year.
If there’s an option, you should take your classes for a grade.
If not, stay tuned.
Right now no one has any idea of what policies will be in place 2 or 6 years from now.