I would apply to a few additional top schools if I were you. Your numbers are not unrealistic for Columbia, NYU, Boalt. Certainly, you should add UMich, especially if you are interested in staying in the Midwest.
Look at this way: you've got a small chance at Chicago/Penn, adding more schools like that ony increases that chance.
The applications are not that different from each other, and I think it's worth the extra time. If money is an issue, then that's a different story. Even then, however, I would strongly consider adding UMich.