If you do another year at UNR then you will be quite close to finishing, perhaps too close to justify transferring (i.e. you’d have to take extra credits just for the sake of it to receive a degree elsewhere). How many more courses/semesters do you need to take to complete your degree? And IIRC don’t you have a full ride at UNR?
It seems to me it would make more sense to either graduate in 2.5-3 years and then go elsewhere to do a masters, or take the whole junior year to study abroad (which might be more desirable if your scholarship will pay for it). One additional option (if you removed the skiing constraint) is that you could go and do another undergraduate degree in 2 years at Oxford or Cambridge if you finish your degree at UNR first. See https://www.geog.ox.ac.uk/study/undergraduate/index.html and https://www.ox.ac.uk/admissions/undergraduate/applying-to-oxford/second-undergraduate-degree