DD and I had the same thoughts as you. As long as you will be happy staying at local high school, your strategy is fine. And as a parent paying $$$, I totally get it.
On the other hand, you will need to consider the downside of attending one of the three schools. Your chance of getting into a top university will likely be lower compared with your lps unless you stay in the top of your class at the bs. For most, it’s the harder way to get into your dream college.
I’d say your gpa is fine. You have enough time to work on recommendations and essays, unlike me and DD. Competition will be tough but you can make a strong case for yourself.
One suggestion is to talk to your parents so you will be on the same page about this.