You should first sit down and talk to your parents and consider their wishes, listen to their insights and work collaboratively. They are not only paying close to $50k for your HS (using Pingry as a benchmark) they know you best and undoubtedly have your best interest in mind.
You should then schedule and sit down with your guidance counselor. Once again based on your description, I used Pingry as an example and you have amazing resources.
This venue (college confidential) should only serve as a sounding board to “tweak” a plan constructed with your GC and parents given your circumstances.
For schools such as the one you attend (20-30% matriculating to T20) the GCs have a high degree of insight and control. They understand where you stand in relative terms versus your peers and consequently where your LORs will place you. Additionally schools such as the one you attend have traditional “feeder” relationships. This hierarchy and HS history will play a significant role in your outcomes and require insights that an anonymous review can’t consider or provide.
Thankfully you don’t have to be distracted with finances and will have people who know you well and are extremely knowledgeable about admissions to guide you. While people on CC are well intentioned they can’t possibly provide you with the informed advice you are seeking.
Good luck.