I am in the same boat and I feel the same way. I think that not having a BFA or at least a studio post-bac is putting me at serious competitive disadvantage. In terms of competiveness, the killer combination is the double degree (a BFA and BA in Art History). I think that even if you have a strong portfolio that admissions committees like to be reassured about an applicant’s seriousness of purpose, motivation, ambition, artistic drive, and background and that BFA or a studio post-bac may speak to that. It might also be hard for the faculty vetting applications to pass over someone who has the BFA (and probably a stronger studio arts background) over someone who has a BA in some random field. I think that this is especially true at highly competitive programs, since most of the applicants have a BFA or a studio post-bac and some actually have both. Before I applied, I asked my painting prof about this and her advice to me was don’t worry about it and apply anyways. But I am beginning to worry, since it looks like I am going to be applying next year too. Granted, there is a lot that I could have done differently, most obviously apply to a lot more programs and a range of programs. But even programs that are not particularly highly ranked seem to want applicants to have a BFA. Kent State and SMU say so explicitly on their website.