Should I settle for a school I don't love?

Since your goal is getting into Medical School, you are probably better off finishing as soon as you can in a school that makes it possible for you to get the experience necessary for a competitive application. It sounds like UNCC is that school. You will be graduating in 2 years and very busy doing research, shadowing physicians, and volunteering. UNCC is only a temporary place for you and you should focus on getting into the best medical school you can.