I think that your chances of getting into a top medical school, or of getting into any medical school, will be about the same either way.
I am quite sure that premed classes are going to be tough either way, and that you will find very smart students and very knowledgeable professors in your classes at any of these schools.
Medical school is expensive. You will have plenty enough debt from medical school.
Personally I would save my $$ for medical school, and attend OSU. Go buckeyes!