It would be extremely foolish to to take the MCAT before you’ve completed biochem. Biochem questions make up at least 40% of the Bio/biochem section questions on the MCAT. Having a weak score in the BBS can make your application a non-starter.
Wait to apply. Finish biochem, then take the MCAT. Don’t apply to medical schools until you have a MCAT score and final sGPA. This means you will likely need to take 2 gap years. ( One post graduation gap year to take biochem & the MCAT and a second for the application process itself. One applies in June/July to begin med school 13-15 months later.)
Do you have a sGPA? (A sGPA includes all bio, chem, physics and math classes you ever taken, including any dual enrollment classes from high school.) What is it?
SInce you will be considered a traditional applicant, a 3.44 GPA is not competitive for MD programs, but is within range for DO programs. But mostly it’s too soon to tell since you have plenty of coursework ahead of you.
RE: post bacc— sGPA is more important than cGPA. Since you appear to have most of your science pre-req classes ahead of you, it’s impossible to say whether you need a post bacc. Even then unless your sGPA is below 3.2, you don’t need a formal post bacc. Typically gap years are more profitably spent spiffing up ECs (like by working a full time clinical job) and taking some UL bio electives as a part-time student to improve your sGPA if needed than enrolling in formal post bacc program.
BTW, Med schools want to see more than just good academics (GPA. MCAT) in applicants.
You need the right ECs as well. At a minimum pre-med ECs need to include: physician shadowing (must include primary care), hands on clinical experience (either paid or volunteer), long term community service with disadvantaged groups, and leadership roles in your activities. Add laboratory or clinical research to that list, if you plan to apply to more competitive medical schools. You need to start your ECs ASAP.