A 34 and 4.0 definitely shows you are capable compared to your AP scores. Chances are the BS/MD program assumed (as I would have from that combo) that it was course content that affected your scores (rather than work ethic).
I’d swap in your position. It’s a lot of money. If you put the work effort into college and ECs that med schools want to see, you should do just fine and save a ton of money in the process. Your folks can assist med school costs instead if they want to.
Do NOT assume you’ll have it easy at UAlbany just because you’ve done well so far. There will be others with high stats also attracted by the lower cost as they head to med school. Be smart and set grades/studying as a top priority while still allowing time for ECs (continuing your research, volunteering, clubs you enjoy, etc). For many successful students, this means partying ends up pretty low on the list rather than a “minor.” You could, of course, already not be interested in partying (much), but one never knows on a message board and that’s the advice I give all IRL med school wannabes I know anyway, so nothing “personal” except best wishes on your journey!