The B.Phil program is quite competitive, and no easier to get into than a mid-ranked (30-40) PhD program. From what you've described, I think you may be worrying too much about being shut out. At worst, you won't get into a top-25 or so, but PGR-40 is a broader and safer range. Also, you may want to look at top MA programs in the US, if you haven't already. I think the deadline for Tufts has passed, but some other good schools may still be open.