Having attended and taught at a commuter school where people disappeared at 4 PM, I can sympathize. There really is a world of difference between a campus and commuter school.
Exactly. In today’s job market, you shouldn’t be getting a PhD without full funding. There’s quite a few good funded master’s programs out there as well, for that matter. (I did two funded master’s before my PhD.)
Giving OP’s stats, a gap year might be best to take advantage of merit aid. I recommending reading through Andi’s thread and its follow-up.