The answer to your question is best made by asking another one. If you didn't get into UDM/UoM, would you rather wait a year and hope to get in then, or attend a more expensive school now? If it's the latter, which I imagine it is, then apply to more schools. UDM/UoM can still remain your top choices, but you leave yourself more potential options by applying to a wider range of schools. As many here will attest to, the entire process can be seen as a crapshoot at times. Some very qualified applicants don't even get interviews at average to below average schools, while some less than qualified applicants do. You never know what will happen. Applying to only two schools is very risky for those reasons.