What is your budget?
Have your run the NPC on every university on your list?
Are you intending to also apply to Rutgers? When I was in graduate school (at Stanford) there were multiple Rutgers graduates in the same program. Since then I have worked with a few Rutgers graduates. They have all made Rutgers look very good. You could easily spend two or three times as much to attend a university that is just as good.
I do wonder about your weighting system. Where we live to have a 4.988 you would need to have only taken AP classes and nothing else, and to have an A+ (98 or higher, a 97 would still be an A+ but would not be sufficient) in all but one of them. The last one would need to be an A (or a 97).
“My financial situation is very complicated”
You need to apply to at least one and preferably two universities that you know that you will be able to afford. Right now you have what looks like a very expensive list. You would almost certainly be full pay at any of the Universities of California.