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3.63 LSAC GPA from an ivy league undergrad.
167 September LSAT.

I was PTing around 167/168, so not shocked with this result. I'm a paralegal and don't have too much free time to dedicate to studying, but think I may be able to bump myself up closer to a 170 if I can find the time to study. What are my chances at T14 if I apply as is? Should I apply now to non-T14 but T20 schools (WUSTL, Vandy, Emory, BU), retake in December, then apply T14? Dream school = Columbia, realistic dream school = Cornell or Georgetown.

You're probably good for at least one or two in the Cornell/GT/UT/Vandy/UCLA range. If you want any higher though, you will need to retake for sure. I have a similar job to you and I was able to study two hours a day for a few months. It's tough, and it sucks, but so does debt. After a few months I bumped up 6 points. Definitely worth it.