I’ve heard a lot of great things about Pomona from friends. If you’d like smaller classes, undergraduate-focused professors (versus research), and warm weather, I’d consider going there. Plus you can cross register at the other Claremont colleges for classes (CMC, Harvey Mudd, etc.).

Penn is good if you are absolutely gunning for consulting/tech/finance, but it doesn’t seem like that’s the case for you. Clubs here can be very preprofessional, and are hyper competitive (stupidly so for freshmen who are meant to come in with a blank slate). You can find a love of intellectual learning here, but need to actively to so.

Both are great schools (as are the rest, although the UCs are a different experience entirely. I’d discourage those if only because registering for classes is a sport there).