I agree that you need to do research and soul searching. Some questions would be…
-What kind of undergraduate college expreince do you want? Do you want to rush through it? Don’t you think that at a top college you can be engaged and learning for four years? Perhaps get involved in research with a professor etc? And do you want the social experience/growth that comes with having a full college experience? Only you can answer these questions. If you do attend at top school for 4 years, you need to view your HS/dual credit program as the way that got you into the school, rather than a waste of time. It may be worth trying to speak with/meet with some admission counselors at schools you are considering.
-Research what your chances at getting into top graduate school programs with dual degree credits and one year at UF would be. If the schools don’t accept the dual degree credits for their undergrad programs, it may impact how they view your application for grad school as well. I don’t know the answer.