I was originally encouraged by programs who don't require an undergrad in psych and others who claim to be willing to overlook certain requirements if other aspects of the application are strong, but I didn't realize the research experience along with lack of related courses was such a deal breaker. I spent most of the last few months studying crazily for the gre (in music little attention is paid to anything apart from how well you play your instrument) and I did much better than I had hoped, but at the expense of virtually everything else.
bcaitlin - at one point I thought my topic of interest and music background would be the theme of my personal statement, but you're right - it would serve much better as an intro.
juilletmercredi - you have saved me hours of time - and I don't think I would have even found the post-bacc option. It seems like a good one if the master's doesn't work out.
Thank you all for taking the time to respond, it's great to hear different opinions. It's a hard pill to swallow, mostly because it means a year or two of going seriously into debt regardless of which option I choose, but I'd rather face it now than further down the road.