I do not think that I would be concerned about whether or not you get into the honors college at Rutgers. It is a very good university, and it will prepare you very well for medical school. I understand that you have the stats to most likely have the option of attending a higher ranked university. However, you are going to find premed classes plenty demanding at Rutgers (or Seton Hall or any other school on your list). You are going to find other premed students are in most cases very strong regardless of which university you attend. Also, your very good success and hard work in high school are going to help you to be better prepared to do well in these academically demanding premed classes.
Being both premed and part of a triplet is going to make finances important (I noticed that you said “comfortably middle class”, and not “exceptionally wealthy”).
One daughter was pre-vet (she is currently in a DVM program). At least most if not all of her required pre-vet classes were also premed classes, and some of the friends that she made in those classes are now in medical school. She was in the honors college at a different public flagship (to the north and east of you, and ranked slightly lower than Rutgers). She dropped the honors college at some point because it was not adding anything that she particularly wanted. She still got accepted to multiple very good DVM programs. Doing well in tough classes is important. Getting the appropriate experience (medical in your case) is important. References will be important.
Exactly right. You want to graduate with an MD and as little debt as possible. Even doctors have a tough time paying off their student debt (this is a bigger issue for DVM students).
One thing that I do not know is where the Rutgers medical program is located. Is this in a safe neighborhood? One of your other safeties or likelies or matches might offer enough merit or other aid to make it a good choice also. I would be mildly surprised if Northeastern were to offer you enough aid to make it a sensible choice (it was one of the two most expensive schools that either daughter got accepted to, with similar grades but a slightly lower SAT).
You should also keep in mind that many premed students end up doing something else other than attending medical school.
I think that you are doing well. Good luck and best wishes.