This is a great point that most miss. You have to put the two together. A school with a median SAT and 5% acceptance rate is a reach if you have a 1550 (really any score there or above). A school with a 1550 median SAT and 50% acceptance rate is a match with a 1550 SAT.
I’m not sure the counselor did, but I’ve tried to make it brutally apparent…price. The total nut the OP is looking at could be well over $1M.