Go after those top-tier schools. If you're slacking off on homework working through SICP, you're probably top-tier worthy. People who go after their interests are by definition more interesting. Don't weigh yourself on the standard metric because you're not standard. And don't let that hinder the selling of yourself in your applications. I would much rather hire a person who has started a startup before than one from…
All in all, this is irrelevant. My goal was to become a professor, but I learned that industry was much more lucrative than acadamia. If I want to do research, I can do it from my house. The classes I teach professionally pay more for 2 days than most professors make in a month.
So in the end, it all worked out. It would have been nice to have a "formal education", though. Maybe I will move to Urbana-Champaign and get a degree from there... or maybe not.