I would change #1 a little bit to:
Pick a school. Dive in and go all out to make it the best experience you can make it with the thought that you are going to graduate there. Give it a full year and if you feel it’s not working, then look into transferring. If you go in with the thought of just getting good grades so you can transfer, you’ll be miserable.
If you do #2 I think you’re going to end up right back where you are now. You seem to be so focused on your perceived negatives of all the schools, I don’t think any school you find will excite you.
I also think you should reconsider some of the Catholic schools. As others have said, many non-Catholics and even non-Christians go to Catholic schools and have a great experience. You expressed horror about having to take a religion class in one of the early posts. These classes are on the history of religions and such, they aren’t to indoctrinate you in the religion.
Good luck with whatever you decide.