Conflicted student with a confusing transcript + limited college options

Yes but it’s not usually the case. It’s very hard to find Full Rides which include room and board.
http://automaticfulltuition.yolasite.com/

No, but graduating on time gives you a chance to raise your grades and improve your SAT/ACT

Not true in all cases. Check the web site of each school to find out.

The big questions are what scores do you have for the SAT/ACT and how much can your family afford for college.