Maximum GPA to consider postbacc/SMP

While I'm sitting here with silence from all the med schools I applied to...

I started wondering what most people would consider to be the maximum GPA to go for a postbacc/SMP. Obviously you shouldn't do it if you have a 3.6+, but what's the cutoff where you should start contemplating it?

I know the MCAT is a factor, but how much?

Before anyone gets snarky, yes, I am a student hovering around a 3.4c/sGPA and a 38/39 MCAT and am wondering about possible future options.

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Maximum GPA to consider postbacc/SMP