Ross and Stern are peers. And you will likely live over another half-century.
Plenty of time within that span to live in and experience NYC.
But you won’t ever get to live the traditional college undergrad experience again if you turn down UMich.
And yes, Ross is smaller than Stern, I believe.
Finally, classes next school year may be online again. Paying in-state tuition for online classes is much easier to swallow than paying over $50K for online classes.