I think that I have two immediate reactions.
One reaction is that you are a very compelling candidate. A 4.0 college GPA while maintaining a full time job is impressive. A full time job is an EC, and a good one. Top universities (including WUSTL) know that some students need to work to earn money. It also sounds like you know why WUSTL is a good fit for you, which can be very helpful when transferring.
My other reaction is that WUSTL is a reach for all students, particularly for transfers, and needing significant financial aid will make it a bit more of a reach. Also, if you can maintain a 4.0 college GPA for several semesters this will make you an even stronger candidate than you are right now.
I also think that the strategy of applying to a couple of highly desirable reaches this time around, and seeing what happens, makes sense. Then if you do not get in, apply to a wider range of schools next year. I have a daughter who is doing pretty much the same thing right now, except for graduate programs. Hopefully you and she will both get an acceptance this time around, but if not the universities will still be there in a year’s time (and life is not a race).
I do not know whether submitting a 1450 SAT to WUSTL or Princeton would help or hurt your application. I doubt that it would make much difference one way or the other. It probably would be helpful for quite a few other universities.
Best wishes, and I think that you are doing well.