No matter where you end up enrolling for your first year of college, I’d walk into it with the attitude that you’re planning on staying there all four years. If you’re thinking of transferring from the get-go you may not get as involved or build as strong of relationships with your peers. You don’t want to live your life always thinking about how to get something “better” which oftentimes doesn’t end up being what you thought it would be.
Students from the safeties on your list regularly make it into “Top 20” grad programs every year. The focus will be on GPAs and test scores, and your high school record shows that you excel at both.
I’m unclear if you’re including grad school in the “eventually” part or referring to getting into a T20 sometime in your undergraduate years. But how would you feel if a school you attend was in the T20 (not gettting into semantics about who’s definition of T20), and then falls out of being in the T20. For instance, the most recent year of USNWR had some methodology changes and there were some schools (I think Vanderbilt, Wake Forest, and Tulane among them) that had some big swings downwards. Nothing had changed with their instruction or the experience that students were having from one year to the next, but the ranking changed because the methodology changed. How would you feel if that happened at whatever institution you enroll in?