That's true. My example was based on the most expeditious route for a non-traditional student, which would involve a linkage with a post-baccalaureate pre-medical program and skipping the "glide year." No state schools have such arrangements. I would say it's definitely advisable to take an extra year and pay in-state tuition. You may need this extra year to get your volunteer hours in anyway (thank you for mentioning this).

However, most medical schools have very, very low acceptance rates, even state schools. Back when I pursuing this, the conventional wisdom was that you applied to 10-20 schools, and hopefully you would be accepted to one or two. Even excellent students often don't get their first choice of medical school, and if you're contemplating this, I don't think you can or should count on being able to go to a state school.