Hi Deb,
In response to your questions,
1) I'm not quite clear on what you're asking here. It depends partly on how many applications you have the time to complete. I would recommend picking one top-10 program that appeals to you and making it your reach school, as well as 3-5 programs in the #15-30 range. You should select those schools based on which curriculum appeal to you and where you think you will be competitive.
2) I'm also a bit unclear as to what you mean regarding your GMAT score. Can you clarify?
3) As an MBA Admission consultant I believe that a advising service can be a great help for applicants who are unclear on how to frame their goals, what schools they should apply to, and similar questions that come up during the admissions process. Whether or not the investment is worthwhile to you is really a personal choice; think about how well you understand your strengths and weaknesses and what the schools are looking for. MBA Mission does offer a free consultation (
http://mbamission.com/consult.php) if you are interested in discussing this further.