I think it depends upon your personal needs (application wise). Some people may benifit from the local university thing and others may need the structured program. Also, it does help if you go to a post-bacc that is affiliated with a medical school. In some cases it can help enormously.
Ask yourself: what are my weaknesses (GPA, not enought science, don't have my pre-req's filled, MCAT, volunteer experience, etc)
Then ask: how much am I willing to spend and am I willing to move to anywhere in the US.
Also, I think it is VERY important to get someone at your nearest medical school to look at your application and tell you what you need to fix. If they tell you everything is fine, then find someone else who doesn't know you and have them tell you straight. It was very benificial to have someone tell me that my application sucked and needed to be fixed in certain areas.
So far everything has been working out for me, if you have any questions please PM me. Going to a post-bacc has changed everything for me in a positive way.
WISC-ite