Although if you were my kid I would tell you to take the full ride, I would like to point out that you probably wouldn’t have to fight for resources as much as you fear. Classes at Penn (outside of introductory courses in STEM fields) are surprisingly small and access to professors is surprisingly easy, from what my daughter tells me. Yes, it is competitive and intense, but you sound like someone who could handle that. Admittedly, it is quite a bit easier for me to contemplate spending your parents’ money than my own. 
But if money is REALLY no object (and I mean REALLY), Penn is pretty amazing.