Hmmm. Would I be wrong to say that neither of them seem to be your cup of tea? Lol, kidding of course. Sounds to me like your cons at Penn are stronger than your cons at Harvard. I honestly don’t know who the “typical” Harvard student is, which is probably the point. I suppose the typical Penn student stereotype is preprofessional, driven and competitive, though I’m sure not all students are like that.
As far as career possibilities, doors are going to be open for you regardless. I think you should choose on overall vibe. To me, I don’t see that as being Penn, so go for Harvard.