525 seems a little high. Let's assume that you're right - which is a...charitable assumption, but let's roll with it for math's sake.
How much of Harvard's class is URM? Say...25 percent? Let's call it half. That means the median ORM matriculant is at the 75th percentile for MCAT. That is probably 523. Several years ago, a 526 put you in the 90th percentile at every school in the country, and I don't think the distribution has changed that much. WashU still salivates over high MCAT scorers, too.
Buy MSAR and again stop being so freaking neurotic, with a 3.8+, 520+, and your ECs you stand a chance at any school in the country, Harvard, Yale, and Stanford included.
LizzyM is an adcom at a school of that caliber and she will wholeheartedly agree with what I am saying. A 3.8/520 won't turn heads but it'll make you pack fodder, and your ECs are decidedly not pack fodder level.
Why are you so dead-set on attending a prestigious school? Resources? To impress people? Because you've wanted nothing more than to be a neurosurgeon, or a researcher-physician, since you were 13? Because you want to do something that a top-20 education can provide you with, like healthcare reform or something like that? Maybe there's some impostor syndrome at play here - get help for that, you are a very strong student with an excellent CV but your neuroticism is likely to sink you in the interviews you are EXTREMELY likely to get.