I don't know, despite all the cons you mentioned I still think SAIC would be great... Chicago is such a fun city and has plenty of inspiration to provide. To be honest I never really delved into the individual department quality of the schools I applied to (I assumed they were all good haha), but I really liked all the Pratt student work I saw- in all departments. It seems to me you're in a great place with two awesome schools to choose from. I say go with your gut feeling.
Sorry I couldn't be of more help
