You have a strong profile, congratulations on your achievements.
I don’t think your ECs are weak, at all. Are you sure water polo is only 10 hours per week, especially in-season? If that was the year round average, you could break out in season vs. out of season, if you have the room. Continue to participate in ECs you like, and good luck applying to summer programs.
A low income/high assets combo can lead to widely varying cost estimates at the college level (except for the in-state UCs)…please define an annual budget with your parents. Also run the net price calculators at all the schools on your list to get cost estimates, don’t apply anywhere that does not look affordable (assuming you will be applying for fin aid).