Jake,
an over contribution to your TFSA will cost you 1% per month.
If you anticipate an investment in SLI now, will increase by more than 1% between now and your earliest investment date in January, the 3rd. I believe, you should think about this route.
A cost of 1% versus a gain of ????
As Sculpin likes to say "It's about the Math"
Disclosure : I've already done it. (Not all in SLI)