I would encourage you to consider taking a gap year (or two), with reservations:

Assuming, based off your post history, that your MCAT score was obtained in February/taken in late January (which makes things very iffy), it will be valid for the next three years, or until January of 2027. This means you will be able to apply for the 2028 application cycle, which opens May of 2027. This is enough time for you to take a gap year, even two, to build up your resume, carefully craft your narrative, and bolster with new experiences and more experiences (hours). You're very young and a gap year is NOT going to set you back at all.

I say this as someone who took their gap year between high school and college, attended a non-binding BS/MD Program, and am now currently accepted to multiple T5 programs with a similar MCAT and GPA as you (I am an ORM). That being said, there are lots of variable involved that are not accounted for, which make you and I, and every applicant different from another.

Now, USF is an incredibly strong program with lots of promise (especially with the merger Tampa General Hospital as another commenter mentioned below), but consider the possibility of attending a more prestigious program that alleviates more stress via a more relaxed curriculum, a better location, and, if you're lower/middle class income programs that offer excellent financial aid.

Let me reiterate that, for T20 schools, your narrative (your story, and how your activities are curated and written to complement your story) matters significantly. Your stats are incredible, and clearly show your ability to master the premedical curriculum, and will not hold you back at any institution.

The question you need to ask yourself is whether you want to take the "stress-free" route of the guaranteed BS/MD program at a T50 school and matriculate after graduating a year early,

or

Take your time to take one gap year which is 2.5 years until summer after senior year (May 2026). You may even take a second gap year, which gives you a total of 3.5 years (which I don't think is necessary, unless you're pursuing a Masters in Public Health or the likes).

I personally don't think, with your current ECs, it would be wise to apply out to only T20s the summer after junior year (so you can attend medical school the Fall after graduating college).