Any reason for the average applicant to apply to the top 10-20 programs?

246 step 1, 5/7 H in MS3, few posters, few projects in progress, low-mid tier US MD school, no class rank but not Jr AOA, worked for a year as an ophtho tech, biomedical engineering background I think I'm an average, if not below average, applicant. Just wondering if I can save myself a few hundred dollars by not applying to the top 10-20 programs. The average # of apps last year was 75 and that's crazy to me
Source: Student Doctor Network - Category: Universities & Medical Training Authors: Tags: Ophthalmology: Eye Physicians & Surgeons Source Type: forums