first of all-- where to apply.
apply to a wide range of schools...all your state schools, schools with stats better than yours (b/c you never know), schools with comparable stats (that you'd actually go to), and schools with lower stats than yours (once again, b/c you never know). there are no safety schools b/c all US medical schools are hard to get into and all are looking for different types of applicants. i applied to 18 schools and got into 1-- which thankfully was my first choice b/c it matches so perfectly with what i want to do.
secondly, your year off.
congrats for taking a year off!! i really think everyone should take at least a year off just for sanity's sake and so that you get to experience life w/out being a student. and if you've already demonstrated a clear interest in medicine though ECs or coursework or whatever, i really see no reason for you to do something science or medically related in your year off. do something that interests you-- not only will you have more fun than if you're stuck in a lab all day, but it will make you more interesting to talk to during your interviews. now if your idea of fun is being stuck in a lab all day and you're really excited about research, more power to you. but if you want to wait tables, bartend, hike the appalachian trail, travel to europe-- DO IT!! you'll probably never have an opportunity like this again so do it now!
caveat: if you have no demonstrated interest in medicine, then you probably should try to work in the science or medical fields (or at least do extensive volunteering). i don't think ad coms are going to buy your story if (just for instance) you were an art history major who has never had any kind of science work beyond the pre-reqs, and has no health care experience.
okay, that's more than 2 cents...that's a whole quarter.

best of luck to you!