680 = ?????

Here's the short version:

I took the GMAT a few weeks ago and scored 680 (49Q, 32V)

My target schools are Chicago, Wharton, Kellogg, NYU, Harvard

Background:
5 years work experience at matriculation
Corp Finance/Credit Risk Management background
CFA Charterholder
lesser known state school - 3.8 GPA

On the most recent MGMAT practice tests prior to the real deal, I scored 41V, so I am a little disappointed with my verbal score. However, I am cranking away on the essays (round 2 apps) and don't exactly have time to study for a retake. I could take again, and hope that my verbal returns to the norm (perhaps 36-37) and my quant stays about the same....

1) Should I be worried about the GMAT score? Should I be worried about 65% percentile verbal score (I'm born and raised in sunny So Cal, so it's frustrating to be stinking up the joint on the section that is supposed to be difficult for non-native speakers.

2) Should I retake the GMAT? Without studying? I can put in a little time like maybe 1-2 practice tests to keep somewhat fresh, and a review of MGMAT SC guide...

2) Ultimately, on the surface, how do I fare? I know essays need to be VERY tight and unique with solid recs, but if those fall into place do I have a shot or am I simply out of my league?


Many many many thanks,
RG