3.2 plus some more undergrad plus an SMP isn't that bad, if you can get A's from here.
The "brand-name" premed postbac programs such as Bryn Mawr, Goucher, probably NYU/Columbia/USC typically don't take you if you've already completed some of the prereqs. They also like to see 3.6+ GPAs.
Depending on what you still need to take, a year is probably reasonable.
Look at programs like UC Berkeley & Harvard Extension. These will let you take what you need, with structure. Also UT Dallas.
I don't get excited about integrated MCAT prep. If the prep isn't as good as Kaplan or TPR, then you're getting ripped off and you might as well do separate prep.
Don't take the MCAT until you're ready to get your best possible score. That said, there are some timing considerations. For SMPs, September is great, January is reasonable, but March is really late. More specifically, if you're applying for Fall 2012 in an SMP, you'll want your app complete in Jan/Feb 2012.
Before you take the MCAT, you'll want to have completed all the prereq coursework except possibly the last part of ochem (2nd semester or 3rd quarter), and you'll want to do separate test prep. (Test prep isn't content acquisition, it's strategy and practice.)
Best of luck to you.