I can help with categorizing these. They are all reaches…because they all have extremely low acceptance rates and reject 90% or more of applicants.
You are a strong applicant. You have the potential to get accepted to one of these or more. Or not.
I do like your list because you do have sure things on your list. If you are happy with those, and they are affordable, then apply to some reach schools. You do have a chance.
WRT finances, I would suggest sitting down and running a net price calculator on a place like UCLA which gives just about no aid to OOS students. Actually, yo7 might want to run the net price calculators for many of these schools to see if they come in at a price point your parents can and will pay for four years without loans.