I have enrolled in Excelsior because the open schedule works for me & my life. I am very determined and self-motivated. I prayed about it and slept on it, before I decided.
One benefit that I see of a regular, community college course is that it keeps you going at a certain pace, so you will finish in a normal time frame. I have met some Excelsior RNs that have made it through & graduated, but I also know of some that have been "working on it" for years and just don't seem to work on it at all! If there is a chance that you might get distracted by life, I would suggest a traditional school.
Experience is a good thing. If you think that you are lacking, I would suggest the community college route or stick with Excelsior but get a job that allows you do work in a clinical setting.
Also, what does your gut feeling about it? That feeling is usually your most accurate answer.