Just wanna come in and drop my 2 cents. Again current 4th year here, about to graduate, just matched, I will give you the unfiltered truth. I remember being in your guy's position 4 years ago and worrying about all of this minutia including match lists, P/F curriculum, etc. Please listen... it is all 100% irrelevant!
Every single school to some degree whether they are A/B/C/F, Honors/Pass/Fail, or Pass/Fail is internally ranking their candidates. How else do you decide AOA, report quartile the student is in on the MSPE? and if the first 2 years are P/F trully, your 3rd year is for sure going to be ranked to determine AOA. Honors/Pass/Fail is essentially the same thing as A/B/F. Only about 10% of students at our school (again been a few years since I was pre-clinical) got a C. The large majority got A's and B's. There was no fighting or competition between classmates, your ability to match is a product of how hard you are willing to work and all of you are Type A pre-meds whether you believe it or not, that is the type of people who make it to medical school, myself included. You aren't just gunna stop trying once you get to medical school, youre intrinsically motivated by nature. \
The things that are 100% going to matter for you guys if you are interested in matching into a competitive specialty are Step 2, CLINICAL (3rd year) grades, sure pre-clinical for determining AOA, and research output. Those are all controllable factors and are the same factors that everyone across the country is controlling. I promise you, grades or P/F is not going to affect you whatsoever. Every medical school to a degree is providing the same product. There is very little difference between how schools are organized, the biggest thing is your ability to set yourself up for the future. So I would stop worrying about grades, stop worrying about curriculum (you're gunna use 3rd party resources anyways), stop worrying about match lists (those a product of class interests), and focus on where you see yourself being happy, where you can go for the cheapest and where you will have support not only from friends/family, but the school and administration. You will realize that there is more to life than worrying about the small things in medical school. Life keeps goin and if you aren't somewhere where you are happy, it is going to be tough. Your parents are gunna get older, friends will change, big things will happen and when that stuff hits, the last thing you are gunna care about is a stupid arbitrary grade in a preclinical course.
I am not trying to sway you one way or another. I have a few gripes about UCF but in the grand scheme of things I was provided adequate support and plenty of resources over the 4 years. I promise you all, these things you are weighing so heavily will become so irrelevant its not even funny. Put in the work for yourself and you will reap the benefits wherever you go! Thank you for coming to my Ted Talk.