If you really like the school, look at it anyway. I personally found Naviance to be helpful as a ballpark estimator for applications...but only from my school. I don't think that it is as useful as a schools median SAT range. Also, GPA is very subjective. The standard varies so much from school to school that if a 3.8 can get you into your schools NHS, it might be as good as a 4.0 somewhere else.
If you live in MA, it shouldn't be that far of a drive. Depending on where you live in MA, you might be able to visit both Colby and Bates (although Colby is clearly better

) in one day.
Bottom line, don't get so down on yourself and write yourself off.