I agree about off-campus costs. Both sons moved off-campus after freshman year. Even with roommates I still think it cost the same or more. It’s not like ancient times when I went to school. You could definitely lower expenses off-campus back when, especially if you rented from slumlords. Memories.
Staying in-state would definitely save money for travel expenses. For reference, hotels on/near campus at FSU were over $1k per night during graduation this year. Further out were still $600/night. Surge pricing.