Thank you so much, everyone that has replied to this thread. What I’ve learned so far is very useful and I’ve gathered new information.
I am not NMSF (PSAT score went down from last year post-SAT studying lol) but right now, based on what you guys have said, I think what will happen is I will apply to my in-state safeties rolling (and also the honors program for each) first, to my top choice early action (or, if reasonably priced, ED), and apply to many schools with merit scholarships RD.
In terms of time/effort for each app, what I will probably do is come up with a list of apps to finish first, and if I have time left, then I can add on schools later for merit scholarships.
Based on this, I will probably also find affordable, and actually target schools to apply to. Schools that will probably have the same price range as PSU/Pitt but that I’d rather go to. I have a lot more research to do 
Hopefully I can visit potential schools this summer if the COVID-19 blows over, but I have also heard that schools don’t consider if students have visited or not? When I visited Princeton they specifically said they don’t keep the list of people who visit. I’m sure there are other ways of demonstrating interest, but are visits really looked upon fondly by colleges, or is it just a great way to learn more about them?