It’s a good idea to see what shakes out in the application process before you get too worried about it, but I don’t think it hurts to consider the issue to a certain degree. For example, when I talked to my son about his dual enrollment credits he basically gave me the impression that - if the majority of his DE credits don’t transfer - then the the school is off the table of options.
So . . . I’m not pushing him as hard to apply to “elites” where transfer credit policies (at least for dual enrollment) are not as generous.
If it were ME as a student - I’d leave all the credits on the table (gladly!) and go to that elite school. But I LOVE school just for the sake of going! 
My son has a more practical mindset.