I don’t think you’re on a high horse or think you’re superior - you’re asking a valid and important question. The truth is that that ACT difference is huge and there is a good chance you wouldn’t be a fit for that school. Also, your job prospects might not be as good. However, if your planning on grad school, it could make a lot of sense to save as much as possible on undergrad.
My S also got a very generous merit scholarship for a school he is very uncertain about for the same reasons.
You need to really look at the numbers and weigh debt versus fit - only you can make that decision. Can family help? Maybe your GC? Good luck.