Seems to me UCLA is your best bet because you have to be there four years, day after day. You can still get involved in business activities.
UCB might be the better fit - ok, is the better fit - but you don’t seem to want to be there.
Penn full pay vs. these - especially if you plan to go into business for yourself - makes no sense.
Finishing UCB early and moving to an MBA also makes no sense - MBAs are to career pivot or salary raise. No top school takes kids without at least two years work experience so you’d go to a secondary school and come out with an undergrad like salary.
UCB seems best - but maybe not best for you.
But could you suck it up for four years?
Good luck.