There’s no reason for OP not to apply in 4 years to Harvard med, but posters are telling them to plan on going there. Realistically, it’s very unlikely.
But that still doesn’t mean Harvard is worth 200k. Boston may be a better college town, but St. Louis is still a major city. Both schools will have similar opportunities. There might be a bit of a difference in “vibe,” but I think both of them are pretty normal college atmospheres, with similarly-qualified student bodies. To the general population, Harvard has a leg up on prestige, but among future employers, that advantage will be pretty much nonexistent - especially in life sciences, which WUSTL is known for. With an MD, your UG prestige will be even less important. And STEM employers are definitely not going to pick anyone just because they went to Harvard rather than Wash U.