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Alexei comments on The True Rejection Challenge - Less Wrong
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1) Look at GiveWell. This is precisely the kind of analysis they do.
2) It's stops being OK to wait when you are not OK with dying right now. Since you are young, you can get life insurance for dirt cheap, $1-$10 a month. (Still probably have to wait until you are 18, unless your parents are supportive.) That would be Term Life insurance, which means it'll be for something like 30 years. Then you'll have to renew it at a much higher cost, since you'll be older. So it won't be the most cost efficient (or may be it will be) way to spend money, but it will serve its purpose. There is no harm in finding out exactly how much it will cost for you. I would recommend talking to Rudi Hoffman, cryonics life insurance is his specialty.
1) I find GiveWell's analysis very convincing on the question of which charity to donate to; they estimate it costs between $500 and $1000 to save a life with Village Reach. What I can't seem to find is how many lives I would save by becoming an organ donor - if GiveWell has reported on this, I can't find it (and it seems outside their scope).
2) I'm taking a look at this. It appears to be nearly impossible to buy life insurance when under 18, but I'll keep looking.
With a little research online you'll probably be able to figure out the average number of lives saved per organ donor and the probability that you will become one before you age to the point when your organs aren't wanted.
But not necessarily the marginal number of lives saved, which is the important thing.
My quick Googling prior to making posting the grandparent seemed to show that the demand for donor organs goes unfilled -- people die on the waiting list.