Thank you all for the input.
It's funny, my family has been saying they think the first option is best. They say it'd be good to at least have a certificate in the event I never get in anywhere. Also it'd give me a chance to try to publish or at least I'd have publishable paper for my portfolio. I have good writing samples now, but as I said none demonstrate original research.
Before this thread, I was leaning towards the second option. (I feel bad about my choice of words in my first post. I shouldn't have said "lower tier" or "crummy.") I found two more schools where I think I'd fit and are more my league. This first time around I didn't apply to a wide enough range of schools. My safety schools weren't safe enough.
Now everyone has me thinking about becoming a research assistant. I've never been a research assistant. Maybe I'm underestimating the value of the experience, but the description of the work doesn't sound like it would make me that much more desirable.