Yay opinions!
Well, I am re-applying to medical school this year, and it's not fun. I've also taken the MCAT 3 times. Also no fun. I finally got my first acceptance from a DO school, and I am waiting to hear back from some of the MD schools. I know I struggled with a 3.5cGPA/3.3sGPA and a low MCAT when I applied. For me the MCAT was the hardest thing for me, mostly the verbal section. My biggest issue there was that I studied and new the material well, but practice tests help you gauge so much better. I didn't have money to afford practice test, and I was ignorant to know where to get help and dumb to not ask. I took it once before finals, which was a mistake for me personally because I was studying for too many things at once. The second time I took it, I was not studying correctly. I finally took a course to help me with it and was way more successful. (And this is just one component of the application).
I still applied with a low MCAT, mostly out of curiosity for the application (and I got fee assistance help so I knew it wouldn't hurt me too much financially!). This can be seen as good or bad, but I think it worked well for me because I did lots of application reviews with adcoms to see what I can improve. I already had many hours of shadowing, 4 years of research with many presentations at conferences, and many other extra curricular activities. I think my GPA was better after my MPH, so I was just told to focus on a couple of things on my app and the MCAT for the new cycle. Schools saw my changes and this was been a very good cycle for me (I feel like at least).
Everyone posts opinions and what has worked for them. Not one person has the right/perfect answer, but it is good to see how others have worked toward their path into an MD/DO program. I think should should look at some of those post bacc programs and the med schools they are affiliated with as ask to talk with someone. Get their feedback. No one will give you better advise than the medical school you are applying to. I wish you luck on your journey.