I’ve been thinking about this list

T-65 X-wing - •Biggs Darklighter - 48
•Biggs Darklighter - Red Three (48)

T-65 X-wing - •Garven Dreis - 47
•Garven Dreis - Red Leader (47)

BTL-A4 Y-wing - •“Dutch” Vander - 50
•“Dutch” Vander - Gold Leader (39)
Ion Cannon Turret (4)
R2 Astromech (4)
Seismic Charges (3)

T-65 X-wing - •Wedge Antilles - 52
•Wedge Antilles - Red Two (52)

Total: 197/200

View in the X-Wing Squad Builder

Should I keep it as is to get the bid or do something else with my 3 points left over?

I don't think you need the bid because only wedge is high Init. You might want to consider the double tap Y:

Wedge Antilles (52)
Servomotor S-Foils (0)

Ship total: 52 Half Points: 26 Threshold: 3

Garven Dreis (X-Wing) (47)
Servomotor S-Foils (0)

Ship total: 47 Half Points: 24 Threshold: 3

Biggs Darklighter (48)
Servomotor S-Foils (0)

Ship total: 48 Half Points: 24 Threshold: 3

"Dutch" Vander (39)
Ion Cannon Turret (4)
Veteran Turret Gunner (6)

Ship total: 49 Half Points: 25 Threshold: 4

Total: 196

That leaves you 4pts for maybe predator or crack shot on some ships.

R2 on wedge. You won’t regret it.

I would argue R5 on Wedge. But solid list at that point.

Give Wedge Swarm Tactics.

1.Biggs can shoot before he dies.

2.Garven shoots first and transfer a focus to wedge or someone