It sounds like you go to school with braggers or high achievers - but let me tell you - U of Alabama has more National Merit Finalists than any school in America. Tons of kids pick their flagships over Ivy or Northwestern. Why - big money.
What you need to decide is - urban/suburban/rural, hot/cold, small/medium/large, big sports, greek, etc. and a major if you have one.
For example, if you said you wanted to be in supply chain - i’d tell you ASU, UTK, or Michigan State over any other schools. But finance is different. For general business, it matters less - but the majors is also less successful outcome wise. For business law and Econ, there’s a ton of great schools…bus law is typically going to be classes or some might have a concentration of some leve of law.
Good luck - and you’ve done great. You don’t need to one up classmates.
You need a realistic budget - not, for Penn they’ll pay but not others…a real budget. You don’t want to bankrupt your family.