I suggest the large OOS universities that are good with automatic scholarships as financial safety options to add to the couple on your list. Your GPA over 3.5 (barely over) would qualify you along with your good ACT score. UA has an honors program set up for UG research (called Emerging Scholars Program) - I think that would be a very good opportunity and with your GPA and ACT score you would have full UG tuition (8 semesters).
W/O the budget, etc - use of NPC and which schools have a likelihood of merit and COA low enough for budget.
If I were in your shoes, I would apply to all the financial safeties that meet your educational goals in MA, and then apply to the others that perhaps may have enough merit/FA for attending.
If you are a NMF, make sure to include those schools that provide the merit and meet your educational goals.
Sounds like you have had very good educational opportunities - which makes me wonder about your GPA - did your freshman year pull you down? Were you more motivated on grades later?