If I had a 4.0 and wanted physics, I’d be applying to Arizona and you’d have an answer very early - and no need for the CSUs and UCR. UCSC very good as well.
Arizona - you’d get $32K off the $40K tuition and it’s one of the top programs in the nation. Other than a few reaches, you’d be done - and you say you’ll apply to most top 30 until you see the essays.
When your parents will pay for a top 25, top 25 is a US News or whatever publication overall - but not major specific.