Well it depends on you and what you want to do and what your options are. I think you know the answer to your question - applying now will give you less chances than applying R1. Should you do it anyway? It depends on how advantageous it is for you to start earlier. And I can't really answer that for you without knowing more about your situation. Scholarship opportunities are like all other places - you get offered money based on the merit of your application. There are also some loan options outside of scholarships (mostly private).
So basically, if it is good for you to attend earlier, why not? Take your chance, and if you don't make it in, then you apply to other schools in September/October.