Every kid is different, but perspectives/plans can change between now and next January.
If she’s already done a lot of research and is certain of her feeling re: reach schools, that’s great. But as a parent of kids who were maybe a bit slower to get to that point, I would be hesitant to rule out all ‘reaches’ this early in the game (assuming the financials look like they could work). There may be one that could be a great fit despite it’s high rank or ‘prestige’.