Best Practice For URL When Creating Silo Architecture
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Hi Cal,
URLs are in my experience a very small part of the ranking algorithm. Data from Moz's recent Ranking Factors Correlation Study seems to back this up - see https://moz.com/search-ranking-factors/correlations. As such, I wouldn't worry too much about the URL structure when making decisions like this.
That said, I'd tend to lean towards the "Default" option you provided because you said you were writing blog posts, so /blog/ should show users what to expect from this page a bit better than the "Alternative" option. If I'm a user, and I see the URL http://chocchip.com.au/services/website-design/medical-clinics, I expect to see a services page, not a blog post.
Just my two cents - feel free to message me if you need any more help

Mark