Pre-answer: look at the profiles from 2008, 2009, and 2010. Seriously. Compare yourself to what you see in there. I know there's a lot of profiles in there, but it doesn't take that long. Just from skimming what you said about your profile, looks pretty good.
First answer: whooptie-doo. No I'm not trying to be rude. Whooptie-doo should be your attitude towards that first question. You can't change it regardless of how the admissions committees view it, so "whooptie-doo, what does it matter?" I will say this much: it's much better than the opposite (i.e. you had 4.0 for first 2 years and 3.3 for last 2 years). You did well in your upper level courses (so far) which is much more of what counts. Regardless of that, 3.7 is nothing to sneeze at.
Second answer: UAZ is pretty easy to get into I think. I got in there and my profile isn't as good as yours. With regards to those other schools you mentioned: don't know, check the profiles.
Last answer (with a question): do you WANT to take another course? Personally I found courses a lot of fun to take. I took every physics course I could every semester because I wanted to. If you'll enjoy it, then maybe you should even if it is more work.
Hope this was helpful. Good luck to you!
P.S. Profiles are sticked in this section: viewforum.php?f=3