My personal opinion: A switch from philosophy to engineering as a major will very likely require you to take a small number of additional semesters in school, whether at community college or university. However, a Bachelor’s degree in philosophy without graduate school will qualify for you to either go on to graduate school, or to go to law school, or to flip burgers at McDonalds. A Bachelor’s degree in engineering will qualify you for a well paying job.
As such, the total time between now and when you will have a well paying job will probably not actually increase much, if at all, if you make this switch.
I am under the impression that @austinmshauri is correct, and if you take too many credits at CC then not all of the credits will transfer to the university, but you can still take the credits at CC and can still transfer.
Lots of students change their major. The fact that you are doing this while still relatively young should make it less disrupting than it would be for an older student.
You are young, life is not a race. If you want to switch to engineering then IMHO you should switch to engineering. If this requires an extra year or even two at CC then I think that this is still very much worthwhile.