Sounds like you've had a challenging life, which I should think admission committees would like - the ability to endure challenges and keep going. Your recent academic work (consistent 3.6s) is good. Like me, you have a number of old credits at very low GPA that is difficult to make up for. I would say you are a good candidate for a formal post-bacc program. In order to get in, you may need to take the MCAT and do reasonably well (26+, maybe? with your GPA). This depends on the program.
I think that post-bacc will be more useful to you than grad school. But, as you note, this is a pretty hotly debated topic, and people have been successful going either way. And also have failed going either way. Post bacc programs in particular have a pretty high dropout rate, but also a pretty good acceptance rate for those who can hack the program.
The main things are to demonstrate
a) recent, sustained academic success
b) aptitude, as evidenced by MCAT
c) clinical experience that shows you know what you're getting into, and
d) a strong desire to become a doctor
My first estimate, from what you've written, is that you are strong on c and d, OK on c (3.6 *could be better), and b is an unknown.
I suggest taking the free online practice MCAT at
http://www.e-mcat.com to see how you do. It will give you a better sense of b.
Please don't be offended. I realize that forum writing (including mine) isn't the most careful in the world. But I also suggest, based on your posts, that you take a expository writing course or two, if you still have the chance. Written communication skills are crucial in all walks of life.