P/F here, I can honestly say I don't try as hard as I should be lol (a lot of folks in my cohort have agreed with me on this). Even if I don't pass, remediation is a cake walk at my school. Like you mentioned, I don't sense any competitiveness in my cohort and we're very supportive of each other - I feel comfortable reaching out to any of my classmates if I need help and vice versa. Alternatively, I've spoken to a student at another DS in my city recently (they're graded), and in comparison to their experience, I definitely have it easier; a good amount of them had to retake their entire first/second year $$$ (meanwhile I realized I can get by on studying a lecture an hour before an exam my D3/D4 year and I'm still on track to graduate on time). A lot of the folks at my school are specializing too since we have a pretty good match rate.