As for not knowing what field of chemistry you are interested in, it is irrelevant. For a undergraduate degree you will cover Analytical, Organic, Inorganic and Physical Chemistry. You might also cover Biochemistry if you choose so (in America, Biochem is not typically required to get a bachelors, but it is required if you want the bachelors with a ACS certification).
These core classes cover pretty much everything in chemistry (and oddly enough, they are the first 5 listed forums here on this site after high school/gen chem!, hint hint), and are required to understand chemistry, even if you want to specialize in one specific field.
You have a few upper level electives, but the majority of your undergraduate degree you are just learning the foundation, so you still have years to be exposed to the different fields of chemistry and choose. If your school has a good chemistry department (and is well funded) and you have good grades, you might be allowed to do some undergraduate research in different fields to see which your prefer.
I am also with you on the lazy but smart. I did not enjoy a single one of my chemistry lecture classes, but I always enjoy the labs. In both cases, a lot of it has to do with the teacher, and your attitude towards the class.
In the lectures I always felt as if my professors where making it to simple, to accommodate everybody. In truth, I have yet to have a chemistry lecture class I have actually enjoyed, or a teacher I thought did a great job. But the labs are great fun, and I am interested in the subject so I learn as much as I can on my own.
You will be required to take lots of math and some physics as well (along with all the other core classes, like Histories and Arts and such).
And at first those physics and math classes seem like a total waste, but they are just as important as the chemistry classes if you really want to go far in the field of chemistry.
And even though I did not enjoy the lecture classes (and down right despised/despise some of my professors), overall I still enjoy being in the chemistry program, because not only are the labs fun, but I just enjoy chemistry. Sometimes you have to deal with the bad to get the good.