Since you attend a grade-deflated high school, your guidance counselor there will be much better able to help you calibrate your targets than anyone here can. Colleges will be looking at your transcript in the context of your school, so what you really need to know is how previous applicants from your school, with similar stats, have fared.
It does sound as if test-optional is your best bet; but then, that puts even more weight on your GPA, so you need an informed and unvarnished opinion of how that 3.55 from your particular school will look to these colleges.
Are you planning to major in something business/entrepreneurship-ish? If you really want to float a reachy ED application, maybe Babson would be worth a try - they’re not test-optional, but they do value the kind of EC resume you have to offer, and have a moderate ED-bump. Particularly if your HS is on their radar and you have strong recs, it might fly - it’s a much smaller applicant pool than NYU’s so it could be reasonable to hope for a holistic review.
Safety-wise, U of Houston has a strong entrepreneurship program in the 5th largest city in the US. College of Charleston has an innovative Center for Entrepreneurship as well.
But, it’s hard to tell what you’re looking for in a school, from your list. Pitzer is a great school but not business-y at all. (Also not really convenient to the urban part of LA - honestly I can’t think of a single quality that would make it a good backup for someone who really wanted NYU. Occidental might be a better test-optional target if the idea of a small LAC in Los Angeles appeals.)
I doubt that Bowdoin would be realistic - they’re not only highly competitive (8.9% acceptance rate last year), but also need-blind. Since you’re comfortable going full-pay, your odds will be a little better at need-aware schools, and even then, schools with single-digit acceptance rates probably aren’t in the cards.
Union College in Schenectady NY could be a good addition to your test-optional list. Also Trinity in Hartford. Brandeis also has an option to submit an analytical writing sample in place of standardized tests.