You may want to revisit your statement about Howard County schools as the facts are the opposite of wht you're saying. Last I checked it was first, followed by Montgomery and PG... but I won't turn this into a PTA debate.
I completely disagree with you. Your potential for getting rid of your debt (be it 100K, 200K, etc) is better at a more "pricy" town. For example, buy a condo in DC or MD, and sell after residency. Compare this to buying a condo/house in IN or NC. Which person do you think gets a bigger return on their money and has a better chance of using that return to pay off the debt?
I do agree with the latter portion of your post. I do think that our program's tradition of putting us in c/s from the first day, and OR on GYN cases is the biggest reason as to why all of feel so comfortable in the OR.