To start all of the Florida schools you mentioned have roughly the same cost for tuition (within 1k of each other).The only major difference would be the room and board cost, and travel if you pay for your own car. IMO, it’s important to be able to live away from your family in college if you are financially able to, so you can start taking baby steps towards independence. If you do decide on a school farther from home, the Prepaid and Bright Futures (congrats!) should be able to help make living without free housing and food more affordable. Whether it’s worth the financial implications is really up to you!
To speak to your worries about the college atmosphere, it really is what you make of it. I can only speak for UF, but getting involved on campus, even if it’s just one club or sport, makes a world of difference in how happy you are. The good thing about Florida schools is that you can always make a big school small by finding your niche of friends/ people with similar interests.
Dorms are dorms, for the most part. Again, I don’t know much about the other schools, but they’re fairly good at UF (nothing fancy). I’ve heard UCF has more opportunities for apartment style living, if that’s something that you’re looking for!
I’m a strong believer that when it comes to academics, you get out what you put in. Get into research/internships while you’re at school, make relationships with professors, etc. It depends on what field you’re interested in, but UF has a lot of funding for STEM research, so it draws lots of professors and grad students here.
One last note, if you’re worried from now about college classes, you’re probably a diligent student haha! The first semester of college can be overwhelming, but if you put in the effort and aren’t afraid to ask for help, you should be good. Most schools have some sort of free tutoring for students, and all professors have office hours. I’d invest in a planner (saved my butt so many times).
If you have any more questions, feel free to reach out! Hope I was able to help!