I’m not trying to make you more stressed, I hope you know that.
I’m trying to make sure you are getting the best advise.
You are clearly a very capable student and will do great in college.
“I’m taking Fund of Econ, Intro to Amer Politics, and Reading, Writing, & Inquiry 1 at the university during the summer break before senior year.”
Are these summer college classes and your grades going to appear on your HS transcript?
Ask your GC- Have other students in your district done this? Substitute SUMMER college classes for AP classes?
Where were they accepted to college?
“I thought college courses are equivalent to AP courses in terms of rigor to colleges?”
The fact that you WONT be able to take AP tests, which would validate to colleges that you did understood the content of these classes, and that they were AP equivalent classes ,until next May , is a concern. Perhaps taking SAT subject tests in the Fall can solve that issue.
“5 HS classes will be better than 4 HS classes with 2 or 3 college courses?”
HS classes last a full year, and college summer classes last only 6 weeks .
If you are not going to fill your Sr year with more rigorous classes, taken during the school year, or by doing something else, in addition to taking 4 classes, you will look like you are coasting. They are going to think- what else did you do with your time?
And may give the nod to a student who made better use of his time during his Sr year.
As currently planned, you will end up with a too light a schedule, in the eyes of most admissions officers, especially those at the best colleges.
For a highly capable student, That will not make a good impression.
I feel that the safer route for you is to either take additional year long AP classes that your HS offers, and knock them out of the ballpark. Or take a regular or online college level classes in addition to your 4 HS classes.
If you want to take college classes this summer to help prepare yourself for your Sr year classes, so much the better! There is no downside for showing a love of learning.