Should I Go With (cheap) UF or (expensive) Shoot Higher?

Your stats aren’t as bad as you say. You should get into UF, but send an app to USF/UCF as a safety.

After that, roll the dice and apply to a number of lottery schools with good need based aid (HYPSM etc.).

If you just want to get out of state, the following thread has a list of schools with merit aid that you would automatically qualify for. They generally are at UF’s level or worse.

http://talk.collegeconfidential.com/financial-aid-scholarships/1845583-merit-scholarships-for-students-in-top-5-to-top-10-percent-with-33-act-p1.html