One last question: if I do the Masters at my local school, I'd need to finish it before applying( to show my GPA for the entire degree), correct?
Yes. One semester isn't going to convince us that you can handle med school. Or, merely being in an SMP doesn't prove anything; you have to ace it.
I believe the Masters takes 2 years so I'd be applying in 2021 for 2022- jeez,
Two years? For an SMP? Forget that! You don't need it. There are tons that last only a single year, and that's enough
I'll be 30 at that point . If I'm interested in EM or surgery would like 34 be too old to start residency?
Some of my all time best students have been in their 30s and 40s. My school's oldest student ever (at 53) made it into EM. He;s in practices somewhere in the Midwest.
Additionally I don't know how I'd create a school list post Masters- do I use grad gpa or ugrad gpa in combination with my MCAT? Would the ECs I had in college be too old and would I need to do more recent ECs in grad school?
It's less the GPAs than, in my view, your MCAT PLUS your school list. Successful reinventors typically have a 513+ for MD. Then you have to target the right schools. Some won't give you the time of day, but others reward reinvention....even UCSF, NYU, Columbia, BU, Case, Duke, Mayo and Pitt!