I am thinking that we might be able to give more useful information if we were to understand a bit more about your situation and what you want in a university.
What do you want to do with a degree in biology?
There are in fact a lot of different things that you could do with this degree, but quite a few of them imply some form of graduate school. One thing this brings to mind is that students very often change schools from undergrad to a graduate program, and you can attend any one of a huge range of undergraduate schools and still get accepted to very good graduate programs. Another thing that this brings to mind is that graduate school in many cases may imply additional expense (and additional time and effort). Picking an affordable school now (such as an in-state public university) might imply for some of us having more ability to later fund a graduate program.
This makes me think of two things.
Biology majors tend to include quite a few premed students. At least the premed students who I have met have been very focused on trying to maintain high grades in tough classes. While neither daughter was premed, then both had majors that overlapped a lot with premed classes and had quite a few friends who were premed. As such I have heard quite a bit about how tough these classes are, even at schools that might not be quite ranked in the “top 100” in the US.
On the other hand, when I was in university I did know a few students at Cornell and visited a few times. Yes, it is academically very challenging. For a lot of us this would be stressful.
As such it does seem very likely that biology / premed classes would be tough at Cornell, and would include a lot of students who are very highly competitive.
My older daughter was a very good musician from a very young age through high school. She seriously considered majoring in music and aiming to be a professional musician. In university she was pre-vet (she is a veterinarian now). The required pre-vet classes are the same classes as the required premed classes, so she took the full range of premed classes and knew a lot of premed students. She just had to hit “pause” on her music. I do not think that she played much if at all for a few years. Now that she is a veterinarian she is able to find a bit of time to get back to music to some extent (I recently bought her an electric keyboard as a graduation present, because this was easier than figuring out how to get her existing keyboard which is sitting here near me to the location where she currently lives).
You might similarly just need to hit “pause” on music for a few years. One issue in life is that there are just too many things to do, and we each need to figure out where to focus our effort at each particular point in our lives.
From what I have seen of biology majors, and premed students, and pre-vet students, “skim” is not in their vocabulary.
I think that you are likely to get a very good education at any of the three schools that you are considering. I think that any of them can prepare you for a range of different biology-related graduate programs. I would not expect Reed to be the most “chill” of the three, but am not sure that there is any “chill” way to do well in classes that overlap quite a bit with the required premed / pre-vet classes.
But I also feel that this is a tough decision, and I am not sure that we really have all the relevant details. You might need to just do whatever feels right to you.