Hey I'm finishing up year 11 right now and I did (am doing) psych and accounting 3/4
I also had the option of taking 3/4 methods in year 11 but chose to repeat 1/2 because I felt mentally unprepared for 3/4. I don't regret this decision at all because I had the whole year to revise key topics I struggled with last year, and having done the course already, I was able to "relax" in methods and focus my energy on my 3/4s.
From my experience, psych, although not difficult, was a rather content heavy subject and required a lot of time to really familiarise myself with the concepts discussed. I have friends doing bio who say bio is also very content heavy - probz even more so than psych.
Conclusion:
If you're the slightest unsure about your capabilities in methods, I would suggest you do either psych or bio in year 11. Especially if doing well in methods means a lot to you!
Annnnd accounting was uber chill and really fun. I regret not leaving it for next year! It would have been a (somewhat) break from vce stress :L
Oh and idk if this is relevant but both psych and accounting are subjects I picked up in year 11 with no prior experience
Just my two cents. Hope this helps with your subject selections! Good luck with that 99+