In addition to what was already answered - your odds of course, are easier on the Philly front (260 vs the 40-60 for WR). Based on previous years, if you select WR first, you are almost guaranteed to get it. There's no promise for that in the future. I do know that appeals do get granted, however it typically has to be pretty dire that physically requires your time and presence to be in Philly and anything less than that will likely not get granted.
You need to separately add in the application for GradPLUS, which covers the rest of tuition and the additional reimbursements for spending money during the semester. Taking out max loans typically nets you around $14k to spend per half year on rent, transportation, etc. that your family/spouse/partner cannot foot for you. You can always request to take out less loans or return money in a separate process. This is very normal and every medical school and graduate school has this process. This is different from undergraduate loans. Public Service Loan Forgiveness is very much a thing.
Work study is slightly different in medical school. Yes you can find a job at school that will pay you, but also any school paid program will opt to pay you through work study FIRST (even if you are paying full tuition without loans, so if you do one of those programs you will still need to send in financial aid forms to get paid) because that is money the government gives to schools to pay you if you use them.
A lot of research programs and summer programs offered through the school will pay you through work study funds. Your orientation leaders come fall are paid through that.
I think it's worth doing if you need to physically see if you like the place, but that's only if location is going to be some differentiating factor for you to choose between multiple schools. Or, you get your campus allocation through the lottery already (they should be starting those soon if not already) and want to scope out the location for housing, parking, etc. If you're accepted already, I'd wait for the latter scenario. In the era of pre-COVID, these tours were a part of the interview day, but now with a new campus and the school moving, this is the best they can do to coordinate people on both campuses.
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