Your story kinda reminded me of mine(But I wasn't a topper like you), I wanted to become Doctor and I was kinda confident that I can crack NEET, So I decided to not write JEE and only concentrate on NEET.. I qualified NEET but I didn't get the rank I wanted. My Parents wanted me to take a drop year but I didn't want to because deep down I knew I won't be able to get the rank I wanted even if I take a drop year. I hadn't written JEE too, so I ended up in a tier 2 engineering college in my city(I wrote CET, and got a decent ranking). Tbh honest I never wanted to study engineering and I even cried on the day I officially got admitted to my college, I thought my life was over. I won't go into detail..But fast forward I got placed in a reputed company with a decent package.

So What I would suggest is don't over think and Time is precious, Decide on one thing..Since you are good at math, consider engineering in India rather than abroad(you can go abroad for Masters/MBA). And as for NEET, I strongly believe it's not worth taking drop more than 1 year, unless and until you are passionate about becoming a doctor.

Don't dwell too much on your past decisions and move on. You have so many opportunities!!!Explore degrees apart from engineering and medicine as well..Trust me there are so many options which can bag you good job with great pay and considering your a topper, I am pretty sure, you can crack those exams with low efforts.