I can’t chance you because I don’t have enough information, and short of seeing your essays and LoRs will never have enough info. It sounds like you have good rigor in your high school classes, GPA somewhat low for UMich, but a great ACT score. Naviance only gives you part of the picture, but are there any rejections to the north and/or east of your stats? Regardless, UMich will be a reach for you, as it is for all OOS applicants. The degree of the reach will be dependent on the rest of your app (ECs, Essays, LoRs). I would advise you to not apply ED to any school unless you are certain you would be very happy to attend.