One caveat for submitting FAFSA if you don’t need aid…we had an EFC that was high (not anywhere near yours though). My D wanted to access loans if necessary. Even though on her common app she checked not applying for aid, the FAFSA triggered some schools to think she was applying for aid. So for schools that are need aware it could hurt you in admissions unless you circle back and tell them otherwise. We had to e-mail some schools so they had a record for her file. So unless it is required for merit (call and check) then I would not file it (unless of course your parents aren’t covering all expenses).