Is it always worth it to go to the best school?

Yes the SCHC app can be daunting, so good for her. As recently as two years ago, it was 5 or 6 essays!

Columbia is a manageable city and while there are shuttle buses, the campus is quite walkable.

She may want to check with the Music Dept about possible additional merit for marching band.

FWIW, my D who is at Carolina also liked Temple a lot.