Chinese-American pre-med, USABO semifinalist, BS-MD vs Stanford/Penn reach

Demographics: - Chinese-American female - Bay Area (CA) - top STEM magnet public HS - full pay - no hooks Intended Major: Biology / Pre-Med Academics: - GPA: 3.98 UW / 4.6 W - Rank: 7/420 - SAT: 1560 (retaking to maybe 1570) - Coursework: 10 APs by end of junior year, all 5s so far - AP Bio, AP Chem, AP STEM heavy ECs: - USABO Semifinalist junior year - SUMaC (summer after sophomore year, biology track) - Volunteer at local hospital, ~100 hrs accumulated - Biology research with mom's connections at Genentech, working on protein folding project, hoping for poster at regional conf - Varsity track (sprints), 4 years, team captain senior year - Tutoring freshman/sophmore STEM students, 5 hrs/wk Awards: - USABO Semifinalist - AP Scholar with Distinction (junior) - Team captain accolade (track) - AMC 12 honor roll Schools: Reach: - Brown PLME - Northwestern HPME - Pittsburgh GAP Reach: - Stanford - Penn - JHU Match: - Rice - Cornell - UC San Diego Safety: - UCLA - UC Berkeley ngl im torn between committing to BS-MD apps (probably strongest shot at PLME or Pitt) vs rolling the dice on Stanford/Penn for traditional pre-med. everyone at my school does the traditional route and it feels safer but also risky. am i being dumb.