I can also reply to those questions as a current MS1. I'm a yapper so this might be long, sorry in advance haha
1. I can say I think UTMB allows for awesome school-life balance. for me personally, the P/F is good for my stress, mental health, and relationships with my friends and family. IMO culture is what differentiates UTMB. Our class is very collaborative, I don't sense any 'competitive' nature at all between my classmates and I and that makes medical school enjoyable. My experience has been awesome, I would chose UTMB again a million times.
2. I live on island, short walk to campus so I can speak to that. Personally, I commuted to work for several years during my gap years and I do not like driving distances. Also, there seems to be construction always happening along I45, so I don't like the unpredictable nature of that. That being said, I have several friends who live off island and they love it. It's really up to your personal preference. I like being able to leave my house 15 minutes before class starts and not having the stress of parking, etc. Other pros to island life- theres a lot of things to do around the city, many of my friends are within a 5-7 minute drive, can easily get to campus for meetings/ org meetings/ go home for lunch and come back easily. Cons to island life- many historic homes, which can be unpredictable. Apartment options aren't the absolute closest to campus. It floods temporarily when we get heavy rain. No trader joes.
3. Most of our learning is done in small groups and team based learning. I would say in MS1 we have about 1-2 additional optional 1 hour lectures weekly. My experience has been that the vast majority of these are recorded, except for the mandatory ones which are very limited. Currently we have 2 mandatory 2 hour lectures in an 8 week class. I learn best from the 3rd party resources anyway so I love this personally. IMO, 3rd parties get to the point of what you need to know for step, make the material understandable, and give memory tools in a much shorter time input than a lecture would. More efficient.
4. For the current class of 2028, I sense not a single ounce of competitiveness, like literally none. (this is my personal experiences though). If you need a more competitive environment (no judgement), honestly I would consider you may not get that here. My class seems to be very laid back. We share notes every week. We share opportunities. We socialize. All the things.
5. The above answer hit AOA and I have nothing to add!