Question about preregistering and moving up catagories

I plan to register early for every race I do this year, but I have a question. If I register for a race that is filling up fast as a Cat 4 a few weeks in advance, then in the meantime I earn enough points for an upgrade to Cat 3 is it easy and free to make the change? Is there any way to guarantee that I'll get into the race besides entering in both catagories and paying 2 entry fees, and would I be able to get one of them back?

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