I just Beat The GMAT!

Took the GMAT this morning 11/7 after 2.5 months of studying with Kaplan. BAM! 640 I am actually not depressed at this point because maybe that is where I am and top schools are not for me.

GMAT history
12/08 GMAT 1 (590 Q42/V29)
3/09 GMAT 2 (640 Q43/V35)
Today GMAT 3 (640 Q46/V31)

My practice scores have ranged from 710 to 620, with Q ranging from 43 to 51 and V ranging from 30 to 41.

I think because I am 70 points lower than one of my practice CATS, this might be a case where a retake is a good idea?

BUT I have to report a score to 2 schools I already applied to. Which is better? In fact my unofficial over ranking is only 75% versus 76% in march.

Advise please....
(If I am taking it for the 4th time, then it has to be in December 09, otherwise I am done)