Some background: I didn't apply to an Ivy League school because the highest ranked one for my major area (electrical engineering) was about #8 (Princeton), and I took #2, which was the in-state school (Illinois), as I was concerned about money. (Incidentally, the other top rankings at the time were #1 Berkeley, #3 Stanford, #4 MIT.) I did an early admission application and would have applied to other schools if I didn't get accepted.Yes, it is very competitive to get into the top schools. The Ivy League schools are generally considered top schools, although not for engineering. MIT and the flagship state schools generally dominate, and they are also difficult to get into, now that tech and being a nerd are "cool." It's harder now than it was when I was applying to undergraduate. No one is a shoo-in for a top school.Some thoughts, based on the question details:Overall, you'd better get un-careless, un-arrogant, and un-sleep-deprived. "If I actually study for things?" Say that in front of an admissions officer and you can kiss your candidacy goodbye. At least you're concerned about it before it's too late, but I would look really carefully at myself and make sure I didn't have bad assumptions.Execution is more important than intelligence, going forward. 95% versus 98% on exams is meaningless as far as admissions goes, but the comparison raises the question: can you be detail-oriented? I knew plenty of people who were as smart or smarter than me that fell by the wayside because they got lazy. I'd bet your "peers," who are by definition actually your betters, are a lot more detail-oriented than you.The PhD is more about dogged determination than intelligence. Again, the devil is in the details. Plenty of people smarter than me who couldn't focus were kicked out of my research group.If you intend a PhD, consider that a) you're maybe halfway through your institutional education at this point, and b) everything you've done so far is trivial to what's coming. You need to train up for what's to come.The next big issue I would have if I were on an admissions committee is that you're in a single club and haven't discussed why you'd be an interesting student or valuable to the student body. Frankly, admissions officers are going to find you boring and throw your application in the waitlist or reject pile. Other questions on Quora address this issue. You can counter that with more activities, leadership opportunities, and independent projects, but they'd better be really substantial and far beyond what most applicants have.If I sound really harsh, it's because I'm trying really hard to do so. Undergrad at an elite institution is nothing like any high school I've attended or seen: competition is fierce and the system is not going to prop you up. No one at the school actually cares if you drop out. The PhD track is worse, as it's unstructured: random chance, bad advice, illness, and laziness will cost you years of time, and the only way you can mitigate those costs is by being paranoid, working faster than everyone else, and not letting chance have a say in your performance. I was 2 weeks short of my 30th birthday when I finally got my first job after my PhD. I know people that were several years older. Are you ready for that?Some steps I would take:If school is not hard enough for you, self-study for AP exams on your own time. I knew people that took every single one besides languages offered at the time, which was about 15, across 2 or 3 years. (The woman I knew got a 5 on every single one. Both smarter and better execution than me.) If you go to a state school, that will give you more time to do fun classes rather than general education requirements.Aim for a perfect SAT math score if you're going into the physical sciences or engineering. 98% or higher is pretty much the norm, from what I've seen. You probably already know all the math you need. Verbal is less important, but at top schools, you'll have plenty of competition that has perfect SAT scores. So go for perfect. If you're not already there, study.Understand what admissions officers are looking for. Become that. I don't recommend faking it, but get a lot closer if you can't be exactly it.Always remember that from now, going forward, you don't get do-overs and can't gloss over poor performance or gaps. No one will care about high school once you're in undergrad, but you still need that to get into undergrad. The same applies to graduate school. What you've done so far is literally child's play.There's another question that needs to be asked: do I need to attend a very top school? My answer is no. First, everyone capable of doing well in graduate school wouldn't fit into the undergrad bodies of the very top schools. Second, if you take advantage of whatever opportunities arise and truly excel, you can jump ahead during the next level. One of my best friends went to a second tier engineering school, but went to a top school for graduate school, and has done better than the vast majority of people who went to the top undergrads. That's not normal, but it is possible.I'll add more details when I think of them.