Sorry but I feel like you are getting painted too rosy of a picture which could lead to great disappointment. Yes, you are kind, articulate and have a nice bio. But I keep reading a woe is me attitude between the lines, and that does not come off positive. You are starting at a higher point than many students, financially speaking. You have a good resume, so to your original question, of course you should apply. (Was this fishing?) Your parents make good money and can afford quite a bit compared to a lot of students out there. Many parents are approaching retirement, have other expenses, multiple kids in college, etc., and I agree you will likely get no financial aid. Appearing wealthy on paper but not being able to write a check for $240K is virtually the entire middle class in the eyes of FA offices. Parents can take loans or not, that is a choice, or a student can choose a school that gives merit. You have lots of suggestions here for schools, just remember at the top schools competition is fierce, apply broadly as mentioned and you will have options. I am not see the credentials that justify the tippy top awards at top schools. Better to consider that a possibility than to go in thinking you are a shoe-in. Everyone wants to go to a top school, but not everyone can. That’s life.
From your other thread question with your stats, I would not apply to STEM major if merit money is your goal, your scores and courses/tests in those areas are considerably weaker than competitive applicants. ECs are only so much. And I would tighten your ECs, a long laundry list is not what they are looking for. If you list an activity as significant, but the readers can tell it was likely a few hours over a short period of time, that waters down the entire app.Too much quantity rather than quality is always suspect for various reasons.