I'm an AA male who went to UVA and had similar numbers as you do.
First, from what you're describing, I'm not sure a retake will really guarantee you a substantially higher score like everyone seems to think. Simply retaking the LSAT is no guarantee of a higher score. That being said, because no one averages scores anymore and an increased score would help you might as well.
Assuming you don't retake or don't score higher, UVA is a hell no. UVA at sticker isn't worth it in 2013--especially for someone from California. You're taking a very bad gamble by going to UVA sticker. Anything below median and you are in a world of trouble. I'm not saying you will definitely end up unemployed, but it's highly likely (well in fairness you won't be unemployed no matter what--you'll just be on one of the school's "fellowships"). The thing about you going to UVA, is that it pulls you away (very far away at that) from your target market. You just don't do that in 2013 unless the school you're going to is one of HYS or you have a big scholarship at another top 14.
Now, all that being said, I don't like the prices you're quoting for USC and UCLA. You need to see if you can negotiate to get more money. Do you think you could get USC to give you 120K or so? Or UCLA to give you 100K? I guess that's not likely, but that would be a much better situation.