first of all, its UVM, not UVT
1. Financial aid for OOS is limited, and will be non-existent for a family that can afford a boarding school. And your jump-roping skills may help your application, but will not get you any aid. Yearly cost will be around $40K, so you'd best discuss with your parents before even applying.
2. shouldn't hurt, but you should probably have a discussion with an admissions rep.
3.Your 3.7 weighted average should be good enough for admission, especially with a challenging course load.
4. Scores are ok, probably only need SATs as your ACT is on the middling side. Probably worth another shot at one or the other to bump them up.
There is no "pre-med" major. It is a series of courses that are required and can be taken by anyone majoring in anything. Your research experience is definitely worth putting on your application, but will not make alot of difference once you are admitted, although it could help you get a lab position at UVM if you want to continue doing lab work. The med school is right on campus.
The "vibe' is a mix of outdoorsy, eco-friendly, party-on, crunchy granola, honors student, club-sporting, skiing/snowboarding, mostly NE white, kids. Burlington is a nice town, cold in the winter, very beautiful in spring and fall.