For OOS like you, UCSB (you list as match) is just as competitive as UCSD (you list as reach). Specifically with UCSB, I would consider applying to their College of Creative Studies (CCS). It’s their nearest equivalent to an honor college, has only 8 majors, including physics, and is amazing. You get a ton of face time with full professors, access to research and are like a VIP at the college with special housing, early access to register for classes (so you’ll always get what you want in a school where that is rare), priority on library resources, and the ability to register for an unlimited number of classes to try them out and decide what you want to keep. Find a video online of their graduation and listen to all the grad schools they are headed to.
As OOS for UC’s you’ll want to Google the UC GPA calculator and see how you score for unweighted, weighted capped and unweighted capped. They have a very specific and unique calculation process unlike other colleges and GPA (by their standard) is super important; they won’t even look at your SAT score. If your 3.7 is weighed down by Freshman year specifically, that could work in your favor since they only count sophomore and junior year grades. On the other hand, if your lower grades are 10th or 11th grade, that will hurt since only two years count. They will not weight any honors classes you currently take, only AP/IB or Duel Enrollment.
Good luck.