If your GPA in all your other chemistry (particularly upper-level courses) is very high, I would say you do not have to retake them. Your GPA is calculated overall and with all biology, chemistry, physics, and math (BCPM), so your BCPM will suffer more than your overall, assuming your other grades were high.
I have not even taken o-chem yet, so I can't say how heavily the topics discussed in those classes apply to physical and biochem, but I imagine it is quite a bit. That should be sufficient to prove your proficiency, and be aware that o-chem is a significant part of your MCAT as well.
Ultimately, if you feel you would learn much from retaking it you should probably do so. If not, don't, and be prepared to explain your perspective (without making excuses) during your interviews.
Other upperlevel inorganic chem courses will count as "gen. chem" if you skipped out of it. Just make sure you have a year of inorganic chemistry with lab (I think Pchem counts as inorganic too but not sure).
and for Bio, they just require a year of bio... shouldn't matter if that is Bio 101 or a year of Cell Bio + Genetics.
hey im also a chemistry major and went through a similar decision (phd vs md). i would say rock out in pchem and inorganic (my school only had one semester of inorganic) and you should be fine without gen chem and maybe take advanced orgo as an elective if you have time? (and if you think you could do well in it )