Before I go any further, let me say that without a real LSAT score everything is speculative. It's difficult to guess what your eventual LSAT score will be, and most people grossly overestimate their abilities.
That said...
With a 2.8/163 you have very little chance at UCLA.
LMU, Pepperdine, USD, and UH (Hawaii?) are also longshots. Your speculative 163 would be average for those schools, but your 2.8 is significantly below average.
Santa Clara would also be a longshot. Southwestern, Chapman, and McGeorge are possibilities. You'd have a decent shot at all three. BYU is tough to get into, you'd need around a 3.5/165.
As a non-traditional student you should be thinking more about your post law school goals rather than which specific school you'll attend, and let that determine your choice of school. If you're going to be 45 and just starting out in law, you don't want a $150,000 debt hanging over your head 20 years before retirement. I would suggest studying like crazy for the LSAT and using your score to secure a scholarship offer, rather than seeking mere admission (without a scholarship) to a higher ranked school.
If your goal is to work for a small firm or solo practice, you do not need a degree from a high ranked school. As another poster mentioned, you may be the kind of student who should look into the California accredited law schools. You'll save $70,000 - 100,000. That savings may be worth more than any slight reputational advantage gained by attending a lower ranked ABA school.
One thing to understand is that the importance of your pedigree is directly proportionate to it's prestige. In other words, a Harvard degree may be worth $150,000 because it's Harvard and will open doors. When it comes to schools like Chapman, McGeorge, and Southwestern, most employers view them as interchangeable. They all exist on the same level, more or less. I would take the cheapest one.
Lastly, spend a little time checking out life at small firms and solo practices before you invest the time and money. Make sure it's for you. I went to law school when I was a little older too, and I can tell you from experience that you should only do this if you are absolutely 100% committed. It is a grind, and after law school you will still have to tackle the bar exam.
Good Luck with your decision!