Can't decide to take higher rate zero closing cost or pay upfront?

First time buyer We have a VA jumbo 30 fixed loan with 5% down payment to have 1.5% va funding fee. Purchase price 525,000 va limit is 424,100. 3.5% with 0 points but pay 1% origination fee and closing. Or 3.75 0 points no origination fee and closing cost. Plan 50k down payment and pay any fee/ cost up front not finance it in the loan including va funding fee .is that a wise decision to make if we are planning to make extra payments every month to cut loan to almost half. Should we take the higher rate 3.75. With no origination and closing cost.