Hey all...
I know exactly how you feel right now...I had a 3.96 gpa/3.86 non-sci headed into the summer, geared up to take the MCAT for the first time on August 15th. I wanted to apply broadly since I knew that my app was going to be "Too late" as the OP asked. I wanted to apply both allo and osteo schools, hoping that I would get one. I also heard how much time secondaries took, so I didn't want to do the whole secondary + juggle mcat studying + keep sanity, hoping to submit my primary 2 weeks before taking the MCATs...that would let me start and submit secondaries the day my MCAT was done.
I was pulling decent practice MCAT scores ...I did all of the AAMC tests and all but 1 of the Kaplan tests. (Kap avg = 30, aamc avg = 28, aamc #7-10 28). But it was pretty stressful. I had a pretty good mcat day, but I just couldn't wake up enough for the 8am test (I'm not a 6am morning riser to review my mcat cards + eat, etc

)
Long and the short of it: I pulled a 26P (9p/7Pv/10b) and got my scores after I had already had my primaries (and some secondaries) already submitted. I was happy, but when you take the MCAT, unless you get a 45, you still aren't happy =). I ended up doing
very well (7 acceptances, 6 were osteo, mdapp 11682) for all of the places were I was applying. But as the OP
said, there are quite a few reasons why I wished that I had waited.
The crux of it is that YES, you will very likely get admitted somewhere. HOWEVER, it is very possible that you may not get into your top program. Or that you may visit your top program only to discover: (a) it's no longer your top choice anymore because you didn't realize what was important to you (b) you're interviewing for the waitlist because you submitted so late in the cycle (c) you may get admitted, but it may be very very late in the cycle...financial aid/excellent affordable housing may be harder to get (d) if you get waitlisted/declined you are out alot of money and your chances of building a very competitive application for the following cycle is very difficult...for one, it's highly recommended that you re-write your PS from scratch
🙁
So, as I posted in the
SDN article's comments, consider getting your scores, then applying for the following cycle. Yes, you can do it otherwise, but may get in somewhere only to discover that you can't re-do the process if it's not your top choice school. Once you get your first acceptance, it is NOT recommended that you attempt to re-apply the following year hoping to get in a better school.
My $0.0000002
(Topic discussed in length in
the ppt that I gave at our school, posted in the FAQ)