Should I settle for a school I don't love?

I don’t understand what you mean by UNCA doesn’t have pre-med program. You can major in anything and apply to med school, one just has to take all of the med school pre-reqs…which UNCA offers all of them.

I agree with happy1 that schools won’t place much weight in standardized tests taken after one has earned 60 hours of college credit, and really don’t think re-applying to WF or UNC Chapel Hill would result in a different decision.

IMO your choice is between staying at UNCA or transferring to UNC Charlotte.