This may sound a little harsh, but I would not call your D1 career an explanation for your uGPA and MCAT. I would call it evidence that you chose to prioritize the short-term over the long-term, which is not a particularly appealing characteristic in a potential physician. One is expected to walk and chew gum at the same time as a UG student.
That said, your MCAT is lethal for MD schools, and merely OK for DO. You'd probably get rejected from mine and several others. Hence, a retake is definitely in order if you're boning for MD schools.