As I’m sure your therapist has told you- the trick to managing anxiety is NOT to put yourself in the highest possible stressful situations to see if you can handle it- the trick is to develop the right kind of coping skills so you can have a balanced, happy, productive life.
Comparing yourself to your classmates and then comparing your GPA to those of kids who have already graduated seems to be a pointless exercise even without anxiety. You are YOU- not those other people.
Why not add to your list schools which would LOVE to take you- exactly as you are right now- even without “explaining” your GPA? Why are you worrying about something which is entirely in your control- if your GPA isn’t high enough for the schools on your list, throw out the list and start again!