With cost as a factor, I would also recommend the Honors program at UT over your other two excellent options. I didn’t see a strong desire in your pro-con factors for small class size, which in my opinion, is the biggest challenge at UT.
If you hate LA, definitely don’t go to USC!
Also, you note that UT is “Close to home, lots of hs people here,” but the sheer size of the undergraduate population means that it’s possible to never see HS folks if you want to avoid them.
But med school is expensive, so why not start saving now while still getting a prestigious, quality education at UT?