apply to both.
applying to something does not mean that you would necessarily secure the job. I think a lot of us learn this the hard way (esp in the bad economy!), and if you want to start ASAP you would benefit by being more proactive. This also allows you to evaluate offers, and see where you are a better fit.
With that said, I'm in the same position as you, deciding between the offers from NIH labs, tech positions, the industry, and the possibility of just staying in my current lab.
Working at the NIH seems like you would have a chance to be independent in your research (I feel like this is very important for MD/PhD and also to those who have an ego). Being independent means you would be responsible for the direction of your research (somewhat - lets be realistic). This can be stressful if there is a time limit of a year or so to round up a project. You will also be responsible for coming in for your own cell culturing, etc (if that is required), which means that your job might not be strictly M-F 9-5, which may not allow for other scheduled activities on weekdays (volunteering) . However, at the NIH you do not have to always commit for 2 years, and can attend seminars, take a course and get a chance to interact with people of your own age. It is also in Bethesda, which can be quite expensive so apply early and email around so you can figure out your expenses.
You do have some options in choosing a lab. You should email PIs (as posters have said) that interest you (or just mass email). Many will not have positions/funding, but some may. If you have similar research exposure that is a plus. When its all said and done you should have a few offers (if you are active enough), and you can choose from your interview experiences. You may have the chance to work closely with the PI to earn a LOR and pubs. You will def. present your data. The stipend is in the mid 20ks, it is a student fellowship (you will not be paying medicare and social sec, i believe). Insurance is covered (once you graduate you may lose your health insurance in January if your parents do not have private care).
As for a technician position - salary will be higher. It will be upper 20k to 33K (Philly, DC, Boston, NY). At my job interviews the first thing they emphasized was that I would not receive an independent project but would be a support role, and can get credited for contributions. You will most likely look to work at universities, so you will have tuition reimbursement, benefits, and gym and library access. If you are really into it, you can attend journal clubs, etc. If you are set on going to this institute that you are lab tech at, you would be totally responsible for networking efforts - ie, emailing other PIs in the dept to ask for advice, etc. If you do not want to be involved at all, you do not have to be and you do not have to stress. However, you are considering MSTP so...
Another job that you can probably secure easily is in QA at local pharmas. If you are in cali, there should be plenty. I would contact staffing agencies. They will set you up with interviews, each one will be around 3-7 interviews. You will not be doing any research AT ALL and it probably wont benefit or hurt you for MD chances. However, I found the experience of interviewing to be quite helpful since you are going to get grilled on specifics of upper level chemistry (mostly PChem theory in instrumentation) by PhD holders and it's good practice. You also get to see how people work in the industry. It's looks pretty lame and boring. The amount of money they can offer can be quite significant, ranging from 40k-70k with benefits, so that may be something you want to consider. Genentech may even have research positions.
If you decide to email PIs at universities around to basically be a student hire, you will be paid like a student. I am currently doing that now. I can say that it has been a great experience and my mentor is helpful and such. I hold my own projects and there are technicians in the lab to help me out with the itch work. Our lab publishes a lot and I am looking at 2 first authors in JI, and a couple of more 2nd authors. That sounds great and all but I get paid 9/hr with absolutely no benefits. If you do not hold down a 2nd job at Kaplan or TPR, you will have to live with padres and depend on them for health insurance. There are pros and cons to everything. Since you are graduating, some of your friends will be holding down stable jobs, makin loot, parkinglot pimping, with no worries of attending medical school. The stress of having a low paying job, applying to medical schools, volunteering, shadowing, having a 2nd job, and interviewing should not be underestimated. It is definitely a great learning experience though.
So yea, I'm applying med in the summer probably and I have offers from IRTA, tech (at my current university in a huge translational dept at a philly school), industry, and the option to stay in my lab. My current PI might offer me full time but I'm not sure if I would stay - if he doesn't then I'm broke and I have to move on (after finishing my project). I am leaning towards the NIH because of the location, independence offered, and most importantly the ability to talk to people of my age group and background. If you decide on the lab tech or working at a local UNI, you will most likely be working with international post-docs and techs (one of my lab tech is a foreign MD/another a MBBS). I am still looking for more positions in different sectors, because why not - research can be tiring if you do it full time and make nothing.
Anyway, take the time to make a few different resumes and cover letters. Apply to a lot of jobs - def apply to NIH, theres no rule on who can really be accepted. At the NIH, some will even offer you a position out of their own funding if they like you. However, apply to a lot, and contact a few PIs. Even if you have offers, keep applying.You should apply for clinical positions as well. You never know what will happen.
This week alone - one PI at NIH that I met with and offered me a position in person emailed me and said that he didn't receive additional funding this year to staff me. J&J recruited me and said they were slashing jobs. Many places are in a hiring freeze; many PIs are waiting for the stimulus to make it rain. Apply broadly to jobs, as well as medical schools. You never know what you will end up liking. I do hope that you are very happy at this time next year, wherever you may be, with a better idea about life as a MD/PhD. I have a feeling that I'm probably not too hardcore to be a PI and would end up bouncing to the clinical side. Before my full time experience, I was really excited to go the physician scientist route.
Are you applying this summer? Or taking a year off and then applying. 2nd option is much more helpful. Oh and let me know if you need help contacting PIs or what kinda cover letters to use for IRTA.
GL!