Unless you have top, top credentials (and even then), I would apply to more programs. Only my 2 cents, but when applying to a competitive field like Ophtho where people with Step 1 scores of 250+ don't match every year, now's not the time to save money. Here's how I look at it. You've already spent upwards of $200,000 on medical school. Why be frugal when the outcome of the match will have great implications on the rest of your career? Again, just my opinion.
Also, when I applied, there were several regional programs that I expected to be interviewed at that interviewed me. There were also several regional programs that I thought would interview me that didn't. On the contrary, I also got interviews from regions that were completely random! I'm a New Yorker, and I never would have guessed places in Kansas, Arizona, Texas, Louisiana, Oklahoma, or Florida, would interview me.