Well, I guess that depends how competitive you want to be. Of course we don’t know what your essays etc will be. But for example, from the Notre Dame link I gave you earlier:
So yes, you can decide not to take the full 4 years in each, and it may work for you, and your essays, recs etc might be brilliant enough to overcome that, but you do need to go into this understanding that for selective universities, you are putting yourself at a disadvantage. By the way, are you instate for either UMich or UVA? If not, they should probably be considered reaches,
You should also be talking to your school guidance counselor, who is better placed to tell you how your planned curriculum lined up against “most rigorous”, which is what you need for the level of schools you are targeting.