If you want a scholarship, you should apply to several aggressive schools that give scholarships to recruit the students that they want. I'm not going to promise you that doing this will guarantee you a scholarship. But if you want to go to School A, and School B is School A's rival, and you get into both, then you're more likely to get money from both of them. Whereas, if you get into School A or School B, but not both, you are likely to get nothing. The schools know where else you've been accepted starting in March, and guess what? Most of the scholarships come out AFTER that info is available to them. They have limited funds, and they want to spend them where it could make a difference in convincing you to come to their school.
Also, you don't know before you visit whether you will like a school or not. It's a huge mistake to rely on other people's impressions. Some of my favorite schools on paper turned out to be not so great when I got there, and others that I wasn't as excited about initially turned out to be fantastic in person (including the place where I ultimately ended up.) Three days ago you were convinced that Baylor was horrible for you; now all of a sudden they're one of your top choices. Stay open-minded as you go through this process, and take the time and effort to do some extra research and work now. It will pay off for you in the long run in terms of getting the best financial deal and finding a school that you really like.