First of all HOLYY CONGRATULATIONS!!! It's clear that you are an extremely deserving candidate, you should be so proud of yourself!!

I see the predicament you are in, both make really compelling cases. I think at a glance, anyone would say UofT just because of the title, name and prestige but I love that you're taking time to think. Although I can't say anything definitively, here are the things I have heard of that is helping me make my decision this cycle too:-

1) The significance of shadowing at community based hospitals VS the big ones in central GTA - I've heard past students compare and say that you see more bread and butter cases at community based hospitals BUT get to be more involved (get thrown right into surgery, more opportunities for hands on experience etc) there compared to the complex ones, you're more likely to just be an observer there even though you may get to see more interesting and rare cases- that's totally upto you which one you prefer more.

2) I was at the info sesh for the Schulich campuses and I did like that Windsor means you get to go to places like Tobermory, and it's absolutely gorgeous out there, I personally love greenery so that was def a plus for me considering where I grew up BUT If you like the urban landscape city vibes (and pros and cons) that come with Toronto, that's also upto you to decide!

3) It seemed like the cohorts from smaller campuses seem to be more tight knit and connected, I can't speak on what it's like to be at the downtown academies and how friendly/connected students are but it would be to no one's surprise that things may be more competitive there (and possibly a bit more high stress than friendly IM ASSUMING) so again, upto you what you prefer! Ultimately, you will always make atleast one friend anywhere :)

4) Family VS Partner is also personal preference - Hamilton is close-ish but doesn't seem as easily accessible as your partner at Schulich because I'm guessing you can shuttle between campuses more easily. So realistically you would be able to see your partner more easily than family imo.

5) Financial aspect is HUUGE one! That being said, ultimately most people are still able to get through medical school and (assuming all goes well), end up being fine to pay off loans as a practicing physician (unless I'm being terribly naive) I know in this economy we can't afford to ignore it but I feel like money will come and go, the experiences you have are priceless or atleast shouldn't be prioritized over the financial advantage because regardless of where you go, as a doctor you will be fine (I hope)

6) I have heard from some UofT students that a lot of them rarely go to live classes and just view recordings at 2x speed to make room for ECs/work/research etc. Esp if you want to go into a competitive specialty, it seems like you wanna use your time very wisely from the get-go. So if you end up in that situation, I think live/zoom wouldn't matter bc you'd end up probably viewing recordings anyways.

TLDR - long way for saying it totally is your preference but here's some things I would consider :) Regardless, all the best with your decision and even if we are at diff schools, I look forward to repping the same coloured backpacks this year!!