O.K., you only want chancing advice, I get it, and you are focused on the T20. That’s a common desire, but it won’t necessarily serve you because if you are really unhappy at Rowan, only applying to high reaches will actually increase the likelihood that you will need to stick it out there.
I don’t understand your reasoning on Rutgers, which as you note, has the kinds of resources you like, so why wouldn’t it be the right place to complete your degree requirements? That’s a rhetorical question, however, because it’s not the kind of feedback you requested. Good luck to you, though.