Where's mayfield?
When you file the ticket with "not guilty", the time "stops" until the court date.
You "collect" points, not lose them. 9 would "award" you an interview with the MTO regarding your driving record. Points come off your record after 2 years of date of offence.
You are right that you should not primarily concern yourself with fine, because it is the insurance increase over the 3 years that will affect you most. Mind you, even a 15-over, which carries no points, can still increase your premiums, although likely by not more than about $200 per year, and be counted as a separate offence by your insurance company.
Read more about similar cases here, and read a primer at ticketcombat.com for what to do next, after filing "not guilty" with "officer present". Many of things are similar, especially when the post is so general as yours.
You need to try to beat this case on technicality of some sort. Exact fine, if wrong, might be a way to beat it!
Paralegal can be your good option if you do not want to go to court and miss a day of work.