The reason I said it makes zero sense is that schools are different and how well you fit, and how happy you are, invariably affects how well you do. Fit matters! Someone who is happy at Princeton might not enjoy UMich very much, someone who loves Dartmouth might not thrive at Penn or Columbia.
I am all for taking your shot after you got a solid safety down, but the schools need to make sense for who you are and what you want to study. No one is going to be short of opportunities because they attended William and Mary, or Emory, or Kenyon, or U of Richmond, or Lehigh. In fact, they might do even better. Not to mention lower ranked schools are often very strong in certain fields. No one is going to dismiss a writer from University of Iowa or pass on a Marine Biologist from U Miami. A CS major from Rutgers has the edge on the one from Georgetown.
You are likely someone who is interested in getting an advanced degree. Being a big fish can open a lot of doors and the prestige of your graduate degree matters so much more. DD has a friend who is killing it a Richmond and another who is stressing out at JHU. I have no doubt who will be in a better position come time to apply to med school.
We know someone who did what you are doing. She is very smart and landed at one of these school but her results did not reflect her grades, because she wasn’t the type of student for many of the colleges.
Applying blind to T20s simply shows that you don’t know yourself.