I got a 86.65 and if I don’t take p/f my cGPA would be 3.73 and my sGPA would be 3.55. If I do take the P/F option then I would my cGPA as 3.78 and my sGPA as 3.60. I have 70 credits now.
You should probably take the B. I feel like any adcom would know it's masking something and they might assume it was something lower. A B in Oro is not bad