The average accepted MD GPA is like 3.7, for DO its 3.5, you are going to get diminished returns on an SMP. Unless you can somehow get a 3.8+, which will surely be hard, I don't think its of much benefit if you have a 3.65 or whatever.
Apply DO, work on interviews, add some other assets to your application like volunteering hours (also weak). You need to remember some MD programs may be average your MCAT. The 495 is not totally forgotten.