I would speak with professors at your school about this. I've definitely heard the "one tier (or more) down" hiring rule, at least straight out of your Ph.D. I know some Rutgers graduates teaching at big state school programs (John Finamore comes to mind at U of Iowa - and he's pretty brilliant). If one in the hand is really worth two in the bush at this point, I'd take the Rutgers admit (if you would be happy there). If you're going to always be thinking "What if", I say do the MA or Post-Bacc and reapply. Of course, you run the risk of not getting in somewhere after doing the MA or post-bacc, and that puts you in an odd situation. Unfortunately, there are no guarantees here, so these are difficult waters to navigate.