Okay. More is making sense here. If you have a financial waiver for applications, then you would probably qualify for full financial aid (assuming no change in your family’s financial situation). If you are not qualified for McGill, you’re not qualified for T20 schools in the US, either. Your EC’s are interesting, but not of the national or international level of achievement that compensate for less than superb academic qualifications. You’re assuming that test optional has opened a window for you into the top schools this year, when it probably has not. You’re unlikely to get into the T20 type schools that you’re applying to. You might get a good fin aid/merit package at a school where you are far more qualified than the average applicant. Any fin aid package that you are offered is probably going to consist of a lot of loans, and you’re talking about also wanting med school in the future, which in very expensive. You do not want to take out loans for undergrad, if you can avoid it.
You say you live in Ontario. What about U of Toronto? Toronto is an amazing city, and U of Toronto is a fantastic school, right in the city. The energy there is incredible. Your GPA and SAT score will get you in there. They also have an excellent medical school, so surely there would be research opportunities there. I really hope that you have applied there. It would likely be an excellent match school for you.