I cannot chance you, because I have no special inside info to offer. However I can pass on two things: one, don’t base your decision on whether or not to apply to Choate on the interview. Not everyone is a good interviewer, and that isn’t necessarily a reflection of the school as a whole. That would be like getting a dud tour guide (precovid) and crossing a school of your list because of it.
The other fact I can offer is that most schools are need aware in making decisions. That is not to say you should or shouldn’t apply for financial aid.
If your swim times are that good (ie make varsity as a freshman) you should contact the swim coach at each school. Coach support can only help.
You sound like a very strong candidate. In fact the one thing that jumps out at me is how well written, clear and well organized your post is – which makes me think your application, too, will stand out from the pack for the same reasons.