There are two views here:

1. take the money whilst you can get it because it's not easy to get
2. only take what you need because you're likely to spend it even if you don't need it

There is no 'right' answer. It comes down to how much you trust yourself to make use of the money, it's likely you will always need more than you think.

Some questions to ask yourself:

1. Could I raise the money later when I need it?
2. Will taking the extra money now give me a significant advantage? What extra edge will it give? Is that worth it?
3. is the size of the extra cash so much that it would add extra burden to repayment?
4. Would the extra loan mark you down if/when you go for investment?

Hope that helps. Happy to discuss on a call.