I wouldn’t go full pay at UNC if I had access to UGA Honors and FSU Honors for much less.
Honestly, FSU seems like an incredible deal - you get a full ride, a stipend, and membership in the honors program. That kind of money can help you do things like take an unpaid internship or study abroad. And perhaps your parents can put that $30K aside for you for graduate school or something else down the line. So personally I would take that.