Where to apply- please advise! [NJ resident, 3.5 UWGPA, 34 ACT, 1450 SAT, biochemistry/premed, $30K]

I see where you are coming from and I am not disagreeing with you, but UW GPA only shares part of the story. This particular student could be taking regular classes at non-competitive school or most rigorous classes (including AP science classes) at an ultra competitive school. While those two students could have the same UW GPA, they could be very different students in terms of their academic ability. This particular student did fairly well on standardized testing which is another factor suggesting that the student may be strong.
Again, I am not disagreeing with you, I am just pointing out that UW GPA alone does not tell the whole story.

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