If you have a 3.8 undergrad, 7 APs and a very good SAT my guess is they are low reaches meaning above target. Miami, which you have, is a match. BC and Rochester are both exceptional. I’m not saying you won’t get into any school on your list but to me those are not targets. It’s more likely you don’t get in if I’m calculating your record properly which I am not certain doing.
Not sure what you are saying on reaches ? I’m saying they will take you a long time and a lot of effort on essays. As you have three safeties you can do them but you might burn out ?
Where did you get the idea a college will negotiate with you on price ? These are elite schools. You are sorely mistaken my friend. You should go nowhere near ED. If you screw them on ED it will not be something you’ll want to deal with. Stick to non binding EA and RD.
You are clearly misreading info or receiving incorrect info.