These are both very legitimate concerns.
If your daughter starts somewhere and then tries to transfer, she might not get in anywhere that she likes better and might not be offered financial aid. I would not start anywhere unless it would be acceptable for a full four years.
If your daughter takes a gap year, then it is not clear why the results would be any better in a year. I would not do this unless your daughter is planning to apply to some schools where acceptance and aid are more likely compared to where she applied this year.
What is your budget? What is your budget without taking on any loans at all?
I think that @Cascadiaparent sort of nailed it. There are a lot of LACs. If you want suggestions for other LACs that are more likely to be affordable where your daughter could apply while taking a gap year you are likely to get a lot of suggestions here on CC. LACs that are as famous and highly ranked as Skidmore, Bowdoin, Amherst, and Pomona are all reaches even for the strongest students.