^ Never ever discount yourself - that's what admission comittees are for :D
I had a friend that felt the same way when he applied to Stern (and got in) around 2005. Everyone thinks of business schools as having very strict and uptight admissions policies which, is true to some extent, but it's not always the case. My friend that went to Stern said he was shocked to learn the backgrounds of some of his classmates - some were straight out of undergrad with no professional work experience, some were military men - he even had an actor in his class that never took a quant/business course in his life!
Your gpa and gmat are pretty good to get into a lot of schools. If you are missing work experience, that's not an issue because all that will come in time. Your gpa and gmat prove your ability and that's something that many schools look highly at above work experience/extra currics, etc. You're in a good position to apply to many schools, IMO.
The point I'm trying to make is that everyone has a good chance - you simply have to convince adcoms (via your application) why you deserve a seat there. Take your experience/jobs/etc and put them onto paper in a way that adcoms will be unable to deny your app!