Financial aid can vary widely. As others have said some schools, including the universities of California, have almost no aid for out of state students. Some schools (particularly the most famous private ones) have only need based aid. “Some scholarships and financial aid” is definitely not assured, and in some cases not likely.
This makes a lot of sense.
To me there are two things that stand out: One is that you have superb stats (I also like your ECs). This will open up options that you have earned through your own hard work. Secondly, your in-state public schools, particularly UVA, are excellent.
The first thing might be to figure out how good your chances are for UVA. I would expect that your guidance counselor would have a good sense for this.
UCLA and UC Berkeley are both excellent universities. However, they would be full cost for you as an out of state student. One thing that you might want to discuss with your parents is whether they are worth it. Personally if you are comparing them with UVA at in-state prices I would be skeptical unless something between $250,000 and $300,000 is easy for your parents to pay out of pocket. The same is probably true of most of your other out of state public universities.
The other thing that comes to mind is to wonder whether somewhere like MIT or Stanford would be worth a shot. Clearly they both would be reaches. They have no merit aid at all, only need based aid. You could think about whether you would want to attend either of them (MIT in particular is very academically challenging – you need to make sure that you want to work very hard for four full years without much of a break). If you would, then you might want to either run the NPC or see if your parents are okay being full pay. Georgia Tech however would not be all that different in terms of rigor or ranking or the strength of its engineering program.
One thing that occurs to me with regard to founding clubs: How much this matters is likely to depend upon how successful the club is. Having 30+ members participate weekly in the chess club is quite good, and suggests that you have been successful. One thing we did when I was in high school was set up a tournament between the top five students and five faculty members. If you have 30+ students participating you might be able to make this a larger student-faculty tournament. Another thing that we did was contact a nearby high school’s chess club and take them on in a friendly tournament.
Tennis, donating $25,000+ of goods, and internships are also quite good. You might want to Google “applying sideways, MIT admissions” and read the blog that it takes you to. However, it sounds like you are already doing pretty much what it would recommend. I would try to avoid doing too much. Whatever you do you should strive to do it well.
I think that you are doing very well.