The most selective colleges tend to have students who are not just smart, but highly self-motivated.
Look at these sequential sentences:
"-Learning a bit of piano
- Am about half-fluent in Greek
-Want to start writing a book or short story soon - Couldn’t get a job this summer because of Covid, so I plan on getting a job next summer"
A self-motivated student might have used this summer of unemployment to really get immersed in any of those things- not just muse about them. Just based on this bit of your post my guess is that you would loathe just about everything about UChicago except the sweatshirt.
“- Have two siblings whom I have to watch fairly frequently (I have a stay-at home parent, but they are sometimes out at stores and such)”
This brings out an unseemly streak of sarcasm in me that want to know if you also have to unload the dishwasher sometimes. Unless your obligations are such that they materially interfere with your ability to do ECs, doing normal things that help the family is not going to get you points anywhere.
You see VillaNova as being as ‘low’ as you want to go- but you are not certain to even get in, never mind afford it. Projecting from your 1350 PSAT your SAT should be just about the 50% for admitted students, and your GPA looks like it is in the same range, which for a lot of posters qualifies it as a match. Note that a match just means that you are in the right neighborhood- not that you are sure to get a place: last year, 75% of VN applicants were rejected. Then you look at the money part: COA at VN is almost $70K/year. Last year 63 VN students got an average of $18K in merit aid. Even if you got that much your cost would be $50K/year. And you can bet that the merit aid goes to the students at the top of the stats pile, not in the middle.
After that cold shower, here is a positive: it is really good that you are looking at this now! The reality of the admissions process is sobering, and many, many students discover a mis-match between their expectations and the hard reality. Do some thinking about your priorities for your college education (look again at @aquapt’s questions for a start), and there a lot of posters that will be happy to help you craft a solid list of reaches, matches and safeties that will give you good, affordable choices in the spring.