Just to be clear, there are these caliber of kids at most every school and most certainly UF and FSU and likely every flagship type in America. One of my daughter’s bffs at Charleston turned down Rice, Penn, and Vandy (the kid at Gtown SFS for grad school). So you will not necessarily be shorted by an intellectually challenging environments anywhere you would consider (meaning UF, FSU outside of high end LACs).There are demanding professors and often classes (often defined by the majors, moreso than the schools) everywhere - and every college has a colleges of arts and sciences (that more or less align with an LAC). My daughter, as a social science major, wrote and wrote and then wrote some more - at her regional public.
Will there be a higher concentration of intellects at top LACs - and maybe LACs not top in general. Likely - but they are not the only places. Don’t forget, UF and FSU have many Ivy caliber kids on campus and they have Honors Colleges and other enrichment programs and more.
I’ll agree with @circuitrider on grades but maybe for a different reason. Loads of schools, Ivy level included, give out As like Santa Claus passes out gifts - in abundance!! So one isn’t necessarily hurt by going to a competitive school.
In the end, find the right school for you. Fit is important - you will likely do better where you are happiest. But fit also includes budget and if you are a full pay family, you are about to go on a potential $750K endeavor. A UF/FSU or check Wilkes Honors College will put you at room & board - so say $15K a year vs. $90K. So that’s a $300K savings.
That’s part of fit - maybe not to you personally but your family and / or you if it helps you avoid law/grad school loans.
There’s no right answer. These are things to think about - all families need to - so that when they make a decision, they make the best for them. For some, they’re all in on cost. Others like me could afford but didn’t want to. Then others stretch and pay full pop, but it strains the family going forward and is that the right thing? Only families themselves can answer that.
But if someone really wants an LAC but does not qualify for need and doesn’t want to pay the full price, there are other options.
You can find a Rollins or Miami (a bit bigger) and use Bright Futures - plus they have merit.
There are many academic LACs that give merit aid to help defray costs. They may not have the perceived prestige of your desires (not I say prestige because I showed you b4 that WSJ (and that’s just one) doesn’t even rank Williams a top 100 - but I mentioned a few before - Bryn Mawr and Agnes Scott (which is very aggressive for female colleges), Grinnell, Macalester, Allegheny, Wooster, Denison, Kenyon, Connecticut) - these are schools that while excellent, don’t have the name brand per se and pay to get kids in the door. There’s many - that’s just a sampling.
So there are no absolutes out there like kids entering college want to think and like the colleges like you to think - but there is likely not one but several or many best fits for you - whether it’s an LAC, a mid size like Miami or a UF/FSU - where while big, they still have opportunities via Honors Colleges, Living Learning Communities or more - to narrow the focus for you.
Keep an open mind and explore different possibilities. Best I can tell and I only know about your GPA and test but not about rigor, ECs and more - but you seem bright and focused.
If that’s the case, you’re going to be fine no matter where you go because in the end, it’s about you moreso than your school.
But find that one that fits your family’s finances without strain and then where after visiting, you feel most comfortable as you’ll be spending four years.
In your case, I would avoid ED - you’re not remotely close in your decision making process.
Good luck.