Glad we were thinking similarly!
The NPCs at the other schools will tell you if your “upper middle class” status may mean they cost more than your budget. Lafayette is a good barometer since they commit to meeting 100% of calculated need. If so, you have two very solid in-state options.
Just digging into this - your first post lists an LOR from a biology teacher and from a non-profit advisor. Is that advisor also an academic teacher for a core subject? If not, then you might be missing one (or I’m missing something else).