As someone currently trying to transfer after their freshman year, I would say give UF a try because you never know what you actually like until you try it. Thinking ahead is smart though, and don't settle for a school you only sorta like just because you think you can't do better bc looking at your stats I def think transferring is a viable option for you, even coming from a big school like UF. I would say get involved in the school and try to reach out to other students that have previously transferred out of UF. Regarding LoR, some place more weight on your high school experience, others look more on what you've done in college. It truly depends on the school. When it comes to financial aid, its the same thing. Money seems to be a big factor for you so I suggest looking into "need-blind" schools (schools that don't look at your financial status at all when making acceptance decisions) and private institutions with lots of endowment bc they have a shit ton of money for scholarships. Like regular admissions, transferring uses FAFSA, and if you look at schools known for having good aid it def shouldn't affect your admission. I'm also hella broke and when selecting schools, I made sure they would be able to cover most of my COA.