Also, the state-U rhetoric to "have a plan B" doesn't sit well with me. That's for kids who haven't lived yet.......My only plan B is Ross U in the Carib. I WILL be a doctor when I'm 50

Stay focused, do well in school, get at least 27 on the MCAT, and you won't need a "plan B"
I'm 45 and I strongly disagree about your thoughts on the idea of a "plan" B. IMHO, it's not a "state U" rhetoric, it's LIFE rhetoric. We all need something to do if we don't get admitted, preferable something we find reasonably enjoyable. So it's not so much that you shouldn't have one, it's about the fact that sometimes YOUR plan for life doesn't match up yet to God's plan for your life. And that's where "plan B" comes into play.
Sometimes "plan B" can be about getting finances in order, or personal lives in order, gaining confidence, getting kids to college, or maybe all of the above. For the people I know who were delayed in matriculating into med school or whatever other "goal" they had in life, I've never met ONE who regretted the delay, whatever the cause. Because at the end of the day, our lives tend to fall into place exactly the way they're supposed to.
About your "position" on applying to state schools, I hate to say this but it comes across like you have a HUGE chip on your shoulder because of it and I'm sure it would come across in an interview. Check this, I'm Black, I'm female, AND I'm over 40 and I
STILL believe I'll be admitted to a med school and not just med school, but an MD/PhD program. And if I had a dollar for the number of times well meaning and not so well meaning people discouraged me from my goal, I'd probably be able to retire by now! But if I had ignored the negativity and stayed focused on MY goal anyway, I'd be DONE by now or pretty close to it!
Now, I put that energy into doing something POSITIVE toward my goal, like studying hard for my Sept. MCAT and enjoying my "plan B" which I happen to do right now as a Scientist using methods common in Pathology. But most importantly, I keep my attitude about this entire process POSITIVE!!!!