There are a LOT of universities that are very good for premed students.
If you are serious about possibly going to medical school, or to law school, then you need to be very careful about your budget. You specifically need to budget for a full 8 years (or 7 for law school) where the last 4 (or 3) years are likely to be expensive. A $160,000 annual family income is very good, but can get eaten up rather quickly by the cost of eight years of university unless you take the cost of education into account when deciding where to go and choose carefully.
Premed classes will be tough at any university ranked in the top 150, and probably more like 250, in the country. Both daughters had majors that overlapped a lot with premed classes, so I have heard lots of stories about how tough some of these classes are. Also, premed classes will be full of a lot of very strong and very serious students.
As an example, one daughter was at a university ranked roughly in the 120-something range, and had a boyfriend who had never had a B in his life (this former boyfriend is now an MD, this daughter is now a DVM). Why was he at a school ranked somewhere in the 120’s? Because it was a very good university with a very good premed program (and pre-vet program, the required classes are the same), it was a good fit (for both of them), and because it was affordable (with merit aid). Both are benefiting in a big way right now because they attended an affordable university for their bachelor’s degree.
Two doctors I know have said that other students in their MD program came from “all over the place”. My daughter who got a DVM said the same thing. People I have known in PhD programs (including biomedical programs) and law schools have said the same thing.
Medical school admissions rates can be gamed. One big part of this is who they count as applying to medical schools. You might for example need to get some sort of committee approval to be counted, and the criteria for getting the approval is likely to be similar to the criteria that make it more likely that you will get accepted to medical school.
And there are good research opportunities at a wide range of universities.
In terms of law school, you can major in anything and go on to law school. I happen to have known quite a few lawyers who majored in engineering, math, or computer science, but this is a function of what sorts of lawyers I have known (they are ones who deal with patents and related issues). One small issue that I see is that premed classes are ones where maintaining a high GPA is not easy, and a high GPA is important for law school admissions. I honesty do not know to what extent law school admissions takes this into account. There are of course patents related to biomedical research, which suggests that having a bachelor’s degree in a biomedical field should be important for at least a few lawyers.
Most people I know who started off with two majors or a major plus a minor eventually found one that they preferred, and went with that. I do know someone who graduated with two bachelor’s degrees in two different subjects, but what they have done since is just related to one of them.
The uncertainty that I see in terms of what you want to do is very normal and healthy. This is something that you can figure out after you get to university and get part way through. You will have lots of opportunities to try different things in university and see what makes the most sense for you personally. Some people do not figure out what path they want to take until some time after they get their bachelor’s degree (or degrees). That is perfectly okay. We all figure this out over time.
Your stats are very good, and are certainly sufficient to get you into many universities that would be very good for either premed or pre-law.
Regarding your list of schools: I am concerned that your out of state public schools are likely to cost more compared to in-state, and I do not see the advantage. U.Florida and U.Michigan are for example very good universities, but I do not see what they offer that you could not get in-state other than higher prices and even stronger competition for grades in premed classes. I would also run the NPCs for the private schools on your list and see what they are likely to cost.
Regarding West Point and the Air Force Academy, these seem like something that you need to be pretty sure that you want to do before you take either on. My understanding is that admissions at these schools feel the same way so I expect that you would need to be quite sure that you want to do it in order to get admitted.
Best wishes. To me it looks like you are thinking about the right things.