I have no special knowledge about football recruiting, but I did attend a prep school that took postgrads, and that was my first thought when I read your post. You already have a strong academic record, but you’re not so far ahead on coursework that you wouldn’t have classes to take in a postgrad year - you’d be a stronger candidate for top programs with calculus on your transcript, for example, and there’s probably more econ your could take, and maybe another AP lab science, plus Spanish if you wanted. I could see you doing really well, both admissions and recruiting wise, with another year to show what you can do athletically, and get ahead of the recruiting timeline. There are terrific music opportunities at many prep schools as well.
Of course, there are good possibilities for this year too; it will just be hard to tell whether what you want athletically and what you want academically will come together in the short time available, especially within budget.
I’m curious about how you chose Pitzer; it’s a great school, but not the most “business-y,” and it would only come in under 60K if you got need-based aid. (I think the max merit is only about 5K?) In the Claremont Consortium, Claremont McKenna seems like a better academic fit for your interests. It’s reachy but gives very strong preference to ED applicants… and they do have EDII if you could get coach support but needed more time. Athletically, the two schools are on different teams - Pitzer has combined teams with Pomona, and CMC with Harvey Mudd (and for women’s teams, with Scripps). Have you had any contact with the Claremont-Mudd football coaches (or for that matter with Pomona-Pitzer)? Still tough to get down to 60K at CMC, but they do have merit scholarships of that magnitude.
Of course, most of your reaches cost well over 60K/year, and most don’t give merit - are you eligible for need aid?
In terms of top business schools with D3 football, have you looked at Carnegie Mellon? WUSTL could be a good D3 reach also.
There are tons of D3 schools where you’d have merit potential. Puget Sound has already been suggested as particularly strong in business. Denison, URochester, CWRU… there are many good options with business majors, and even more if an econ major would work. https://www.ncsasports.org/football/division-3-colleges Many schools have ED2, if you connect with a coach but don’t have time to apply ED1.