Smeal is not direct admit, so that’s one difference…there is risk you might not be able to study your desired major. Here are the major requirements for this year (could change for next year): https://ugstudents.smeal.psu.edu/academics-advising/get-into-a-smeal-major/smeal-college-entrance-to-major-2023-24
Have you looked at the majors you are interested in, the core courses, and major requirements for all 3 schools? Honors is a nice benefit at Kelley.
Are the net costs the same and/or are there any price constraints?