blessed, Penn, Northwestern and Duke do not require subject tests…although the HPME program at Northwestern does. And their Financial Aid packages, assuming they are need-based, are usually quite good.
Michigan has improved when it comes to financial aid, and also has merit-based scholarships for students of your caliber.
As for stingy GPAs, I think it is overstated. Some schools are slightly stingier than others, but generally speaking, all top universities will be challenging.