Given the options stated by the OP, I favor “AP stats as a junior and PreCalc Honors as a senior.”
Admission options to selective colleges are more likely to be affected by the ACT (or SAT) scores than the choice of math progression in high school.
I would put into consideration that the student spend extra time to bring up her ACT score. A student with her GPA and math aptitude should be able to score ABOVE “28-30” on the ACT. Take a prep course if necessary.