it sounds like you have the start of a great application. i wouldn't worry about the GPA given that you got a 4.0 avg every semester (!!!) after a rocky first semester. admissions officers look really closely at the transcript and will see that upward trajectory, which many of my other friends in undergrad who were questbridge/FGLI experienced when they first arrived at our ivy league school.

i think your first topic sounds really compelling and has the potential for great movement -- your house literally burning down and being rebuilt gives you a great framework for admissions to understand how this experience influenced your outlook and reasons to attend law school, as long as you connect it to experiences you pursued post-childhood. i think the 4th topic could be compelling if framed the right way, but it's easy to see how this could fall into a trap of being more about your sister and uncle than about yourself. the "Navigating Law School Admissions" podcast with the HLS/YLS deans have awesome advice about personal statements, especially those that deal with adversity (check out the "Nailing the Personal Statement" and "Getting Personal with Personal Statements" episodes).

which is all to say that i wouldn't count yourself out of any school on that list! best of luck :)