I’d still apply to some universities. In my state (NJ), there’s some good schools with a 3.0-3.2 average.
SAT isn’t important after CC.
Your GPA is important. A low GPA can put you in basic skills classes, as well raise your car insurance rates.
As long as it’s a decent CC, that is true. It’ll probably save you tons of money, but all of your credits may not transfer.