The OP already indicated she is applying to 3 or 4 in-state Florida colleges as her safeties:
A person can only attend one college. Assuming the safeties are true safeties (admission virtually guaranteed and known to be affordable) – then there’s no particular value in adding more.
The lower SAT scores reduce the chances of substantial merit money at private colleges, so the combination of in-state safeties with high reaches at schools known for generous need-based aid is logical – even though the most likely result will be that the student ends up at a safety. But there really is no value in the student getting accepted to a desirable private school that she can’t afford to attend - so she’s right to take a hard look at affordability.