You're making some assumptions dude,
1) You realize that once you're an IMG, your only 'realistic' residencies are IM/FM/Peds/Psych in the U.S, and Psych/FM in Canada? And by the time you graduate (2017 or whatever), the way the climate is going for IMGs in America, it will only be FM/Psych. And guess what, these are the lowest paying specialities....
Fact: There are family docs and psychiatrists earning 150K/year. And by coming overseas, you will have HUGE loans.
I already posted this once, but I will again, cause its 100% accurate:
http://benbrownmd.wordpress.com/
Also remember, physicians' incomes in general are coming down. Long gone are the days when docs are rolling around in 500K pools of money. Those are 80s and 90s. Things have changed, and will continue to change for our generation of doctors.
Fact: My dad is a Physician in Canada, and he has said that in the past 5 years, he has witnessed a 30-40K hit in income.
Trust me man, when you're a final year medical student, as you know as an IMG you have no chance (realistically) at obtaining radiology, urology, derm, anesthetics, ER, etc., you will regret not staying in Canada. Even if you do save 400K or whatever cause you cut short 1-2 years, is that really worth the price of doing something for 40 years that you don't love?
Trust me buddy, if you don't like doing ward rounds for 5-6 hours/day (Hospitalist) or talking to depressed people for 6 hours a day in outpatient clinics (Psychiatry), saving that 400K or whatever will mean nothing.
2) Are you not reading the rest of this thread? You don't go to Queen's Life Sci or Mac Health Sci. You BEAT the rush.
Want my advice? Go to Univ. of Guelph or Univ. of Windsor or York Univ. I'm not slamming these schools at all, but the impression I get is that its easier to get a higher GPA than it is if you do Life Sci at U of T/Queen's or Health Sci at Mac or BMedSci at Western. Do an 'easy' degree or anything that interests you. Smack a 3.9. Take Organic chemistry in the summer so it DOESNT count towards your GPA. Spend 2 months of your summer between 2nd and 3rd year studying for the MCAT. And you're IN. You're a Gr.12 student and posting on SDN. By that alone you're a smart kid. I'm fairly certain you won't have any trouble getting into Ontario Meds...if you play the game.
Worst case scenario, if you don't get into meds after 4 years, you book it to the carribean. I got a close friend that went to Western, did BSc (3 years) and then booked it to SGU (4 years) and matched into Internal Medicine in Ontario. 7 years total.
and if you really play your cards right, you can do 3 years of BSc and 3 years of MD (Mac or Calgary). 6 years total.
In the words of Charlie Sheen, "Winning".